A lot of emphasis is placed on the notary signing agent being on time for the closing. So much so that I usually arrive 10 minutes early and will sit in my car, or drive around the block.
But what if the borrower is late? It really depends on the situation, and the temperament of the notary signing agent.
Recently I had a closing in which the wife was home, but her husband wasn't. The wife finally reached him on his cell phone and told him to get home right away. In a situation like that, you just try to be patient. The mission is to get the loan closed. So you want to accomplish the mission.
Hopefully you haven't booked a closing so close to it that it will cause you to be late to it. But what if it will cause you to be late to your next appointment? Fortunately I have never been in a situation where the borrower's tardiness would cause me to be late for an appointment. But if I were in that situation, I would have no choice but to apologize to the borrowers and tell them that I have another appointment. I will come back to them when I have completed it. I would have no qualms about doing that. They should have been on time.
Last Friday was an extreme example of a borrower being late. The borrower was more than an hour late. It was irresponsible of her, to say the least. What made it difficult for me was that it was in Pueblo -- 40 miles away. If it were in Colorado Springs, I would have left and come back later. But it would have been a waste of time and gas to drive back to Colorado Springs, then return to Pueblo. So I waited it out. I have some movies on my Palm and that kept me entertained. I could have also gone to a cafe and waited. She finally arrived and I proceeded with the closing. I think I did a pretty good job of maintaining my composure, because I really wanted to strangle her.
The main thing that I don't want to do when the borrower is late is leave other people in a lurch. If I left, the title company would have had to go through the trouble of finding another notary signing agent, re-sending the documents to be printed out, etc. And the HUD Settlement Statement would have to be revised, because my name was on it, including my fee. In short, it would have been a lot of extra work. You do everything you can to be a team player and put yourself in other people's position. There's no place for selfishness in this business.
Fortunately I didn't have any appointments that I would have been late for. But if I did, I would have had no choice but to leave Pueblo and return later.
One thing that I always do is make it a point to give the borrowers my cell phone number so that they can call me if there will be any problems. Things happen that are beyond our control -- both for the notary signing agent, and the borrower.
But what if the borrower is late? It really depends on the situation, and the temperament of the notary signing agent.
Recently I had a closing in which the wife was home, but her husband wasn't. The wife finally reached him on his cell phone and told him to get home right away. In a situation like that, you just try to be patient. The mission is to get the loan closed. So you want to accomplish the mission.
Hopefully you haven't booked a closing so close to it that it will cause you to be late to it. But what if it will cause you to be late to your next appointment? Fortunately I have never been in a situation where the borrower's tardiness would cause me to be late for an appointment. But if I were in that situation, I would have no choice but to apologize to the borrowers and tell them that I have another appointment. I will come back to them when I have completed it. I would have no qualms about doing that. They should have been on time.
Last Friday was an extreme example of a borrower being late. The borrower was more than an hour late. It was irresponsible of her, to say the least. What made it difficult for me was that it was in Pueblo -- 40 miles away. If it were in Colorado Springs, I would have left and come back later. But it would have been a waste of time and gas to drive back to Colorado Springs, then return to Pueblo. So I waited it out. I have some movies on my Palm and that kept me entertained. I could have also gone to a cafe and waited. She finally arrived and I proceeded with the closing. I think I did a pretty good job of maintaining my composure, because I really wanted to strangle her.
The main thing that I don't want to do when the borrower is late is leave other people in a lurch. If I left, the title company would have had to go through the trouble of finding another notary signing agent, re-sending the documents to be printed out, etc. And the HUD Settlement Statement would have to be revised, because my name was on it, including my fee. In short, it would have been a lot of extra work. You do everything you can to be a team player and put yourself in other people's position. There's no place for selfishness in this business.
Fortunately I didn't have any appointments that I would have been late for. But if I did, I would have had no choice but to leave Pueblo and return later.
One thing that I always do is make it a point to give the borrowers my cell phone number so that they can call me if there will be any problems. Things happen that are beyond our control -- both for the notary signing agent, and the borrower.
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