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Underwriting manuals - Tim Shelton/AL
6/16/2006 5:42:12 PM (3180 views)
Re: Underwriting manuals - George Booth/OH
6/17/2006 12:48:46 AM (5335 views)
Re: Underwriting manuals - STEVE MEINECKE/VA
6/17/2006 10:31:13 AM (5406 views)
Re: Underwriting manuals - Robert Franco/OH
6/17/2006 12:34:56 PM (5350 views)
Re: Underwriting manuals - Jay Duncan/MO
6/17/2006 4:05:45 PM (6704 views)
Re: Underwriting manuals - Tim Shelton/AL
6/21/2006 2:20:02 PM (4934 views)

Wendi!!! - J Nisonger/CA
6/15/2006 6:21:47 PM (2596 views)

National Funding Services Inc - J Nisonger/CA
6/15/2006 5:50:12 PM (3204 views)
Angelica...Re: National Funding Services Inc - J Nisonger/CA
6/16/2006 1:21:42 PM (4956 views)
Re: Angelica...Re: National Funding Services Inc - Angelica Schneider/IN
6/19/2006 11:41:14 AM (4880 views)
Re: Angelica...Re: National Funding Services Inc - J Nisonger/CA
6/19/2006 1:22:03 PM (4883 views)
Re: Angelica...Re: National Funding Services Inc - Angelica Schneider/IN
6/19/2006 5:14:35 PM (4988 views)
Re: Angelica...Re: National Funding Services Inc - J Nisonger/CA
6/19/2006 5:51:57 PM (4785 views)
Re: Angelica...Re: National Funding Services Inc - Lisa Ramsey/TX
6/19/2006 7:58:18 PM (5094 views)
Re: Angelica...Re: National Funding Services Inc - Lisa Ramsey/TX
6/19/2006 7:56:36 PM (4978 views)

National Funding Services Inc - J Nisonger/CA
6/15/2006 12:20:48 AM (3315 views)
Re: National Funding Services Inc - George Booth/OH
6/15/2006 10:25:11 AM (5014 views)
Re: National Funding Services Inc - J Nisonger/CA
6/15/2006 11:36:41 AM (4934 views)
Re: National Funding Services Inc - george Hubka/MI
6/20/2006 5:49:01 PM (4872 views)
Re: National Funding Services Inc - Lisa Ramsey/TX
6/20/2006 7:15:10 PM (5005 views)
Re: National Funding Services Inc - J Nisonger/CA
6/15/2006 11:49:50 AM (4872 views)

Abstractor E&O - Lisa Dahlquist/NC
6/14/2006 7:59:17 PM (3307 views)
Re: Abstractor E&O - Robert Franco/OH
6/14/2006 11:35:57 PM (6626 views)
Re: Abstractor E&O - J Nisonger/CA
6/14/2006 11:37:46 PM (5355 views)
Re: Abstractor E&O - Glenda Hodge/TN
6/15/2006 1:51:26 AM (5384 views)
Re: Abstractor E&O - Wendi See/SC
6/15/2006 10:50:47 AM (5178 views)
Re: Abstractor E&O - J Nisonger/CA
6/15/2006 11:45:24 AM (4975 views)
Re: Abstractor E&O - Glenda Hodge/TN
6/15/2006 12:20:20 PM (5151 views)
Re: Abstractor E&O - Douglas Gallant/OH
6/15/2006 7:22:57 PM (5085 views)
Re: Abstractor E&O - Angelica Schneider/IN
6/19/2006 5:16:25 PM (4929 views)


Real Title Services


Infinity International - Russ Frye/GA
6/14/2006 7:57:00 PM (4125 views)
Re: Infinity International - Lisa Dahlquist/NC
6/14/2006 8:00:08 PM (5300 views)
Re: Infinity International - Candis Richter/NJ
6/14/2006 8:28:20 PM (5357 views)
Re: Infinity International - J Nisonger/CA
6/14/2006 11:36:31 PM (5234 views)
Re: Infinity International - Wendi See/SC
6/15/2006 10:53:42 AM (5251 views)
Re: Infinity International - J Nisonger/CA
6/15/2006 11:17:16 AM (5182 views)
Re: Infinity International - Kevin Ahern/CT
6/20/2006 6:55:13 AM (5137 views)
Re: Infinity International - Bobbi Shorthouse, Notary Public/CT
6/20/2006 1:12:00 PM (5149 views)

"...e-notarization does not seem to be a threat to their livelihoods ... The only difference is that there are no paper documents at the closing table. In fact, a number of notary signing agents are looking forward to performing the paperless transactions."

My personal opinion: The signing agents looking forward to this are a little slow on the uptake.  In most states, the fee for an Enotarization is THE SAME as for a paper notarization or only a minimal amount higher; $5 per notarization in Connecticut plus a maximum of 35 cents per mile for travel.  The companies want the Enotary to travel to the borrower with the laptop, signature pad, software and licensing agreements (including fees for same plus annual licensing fees) and "notarize the signatures" on the Edocuments.  There's also the discussion/issue of the notary (NOT the lender or title company) being personally liable for the security of the Edocuments (receipt, transmittal after signature, etc.).  Unless the lender or title company is willing to pay the notary for "extra services" (like what: no printing, no "courier" services), an Enotarization at the borrowers' home at Connecticut's maximum rates is less than profitable.  Just calculating the number of notarizations required to pay for the initial start-up costs is mind-numbing.

Stewart Title has successfully completed three paperless Esignings with Enotarizations IN ITS TITLE COMPANY OFFICE.  My guess is the paperless loan closings will be held at local title company offices, who can afford the costs of the equipment, software, licensing fees, security, etc. as part of their entire "closing fee."  The Stewart Title article was interesting because the borrowers read the documents BEFORE they came to the closing, which means both title company and lender cooperated to have the loan document package and available for the borrower to read online at least a full day before. The lenders and title companies are not doing that now for notary signing agents, what makes anyone think they will do this in the future?

Grey hair and bifocals showing:  I am not that trusting that a stranger comes to my home, states, here's your $250,000 residendial 120 page refinance loan document package on this 14" laptop screen, sign and initial on the pad, your signature and initials will automatically be placed everywhere needed on each document, in a few hours you can go online, access a copy of what you signed, print out a copy, and read it.  Now how does an old geezete (female geezer) KNOW that what I access later is really what I signed ... and what if after I read it I decide I don't want to sign that title affidavit or want to change something [correct an error]?  I am not against Esignings.  I just don't see where a "notary public" can make a profit at it.  Notaries technically don't make a large profit on a notarization.  Further, most of the state legislators that passed Enotarization did not raise the notarization fees to cover the costs of this technology (bad for re-election business).

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Re: Infinity International - Wanda Steudel/OH
6/20/2006 3:51:38 PM (5390 views)
Re: Infinity International - Lisa Ramsey/TX
6/20/2006 7:11:29 PM (5013 views)
Re: Infinity International - Wanda Steudel/OH
6/20/2006 8:06:06 PM (5098 views)
Re: Infinity International - Lisa Ramsey/TX
6/20/2006 11:14:07 PM (4991 views)
Re: Infinity International - Helene /GA
6/15/2006 11:36:42 PM (5060 views)
Re: Infinity International - Russ Frye/GA
6/16/2006 8:54:26 PM (5074 views)
Re: Infinity International - Russ Frye/GA
6/15/2006 11:38:41 PM (5262 views)
Re: Infinity International - Angelica Schneider/IN
6/16/2006 11:00:15 AM (5239 views)
Re: Infinity International - J Nisonger/CA
6/16/2006 1:17:54 PM (5078 views)
Re: Infinity International - Deborah Manion/VA
6/16/2006 3:16:53 PM (5151 views)
Re: Infinity International - Lisa Ramsey/TX
6/16/2006 3:20:34 PM (5102 views)
Re: Infinity International - Barbara Bennett/IN
6/16/2006 3:25:12 PM (5114 views)
Re: Infinity International - Lisa Ramsey/TX
6/17/2006 11:57:02 AM (5104 views)
Re: Infinity International - J Nisonger/CA
6/16/2006 10:59:30 PM (5140 views)
Re: Infinity International - Sandra Morton/KS
6/18/2006 10:35:59 PM (5161 views)
Re: Infinity International - Angelica Schneider/IN
6/19/2006 11:43:49 AM (5129 views)
Re: Infinity International - J Nisonger/CA
6/19/2006 1:16:54 PM (4908 views)
Re: Infinity International - Angelica Schneider/IN
6/19/2006 5:20:00 PM (4963 views)
Re: Infinity International - Mason Haas/NY
6/22/2006 7:05:44 PM (4976 views)
Re: Infinity International - J Nisonger/CA
6/23/2006 1:53:45 AM (4948 views)

Black List for Bad Paying Companies - Scott Aduddell/MO
6/14/2006 11:26:52 AM (3688 views)
Re: Black List for Bad Paying Companies - Jay Duncan/MO
6/14/2006 11:39:53 AM (5313 views)

Unpaid Invoices - Susan Nielsen/MN
6/14/2006 9:56:16 AM (3450 views)
Re: Unpaid Invoices - J Nisonger/CA
6/14/2006 10:45:07 AM (5003 views)

Zen Title - Candis Richter/NJ
6/13/2006 6:06:40 PM (3738 views)
Re: Zen Title - Jay Duncan/MO
6/13/2006 9:18:46 PM (5512 views)
Re: Zen Title - Scott Perry/PA
6/14/2006 2:10:39 PM (5327 views)
Re: Zen Title - Candis Richter/NJ
6/14/2006 2:58:02 PM (5215 views)
Re: Zen Title - Scott Aduddell/MO
6/21/2006 10:41:13 AM (4967 views)
Re: Zen Title - Jay Duncan/MO
6/21/2006 11:18:11 AM (4872 views)
Re: Zen Title - Lori Cassidy/CT
7/12/2006 4:22:21 PM (5192 views)
Re: Zen Title - Donna McKamy/MT
1/11/2007 8:11:09 PM (5040 views)
Re: Zen Title - Mark Russomanno/NJ
1/26/2007 8:31:10 PM (4935 views)

CNN Article RE: Online Docs - Jarrod Clabaugh/OH
6/13/2006 3:54:14 PM (4648 views)
Re: CNN Article RE: Online Docs - Sandra Morton/KS
6/13/2006 5:36:24 PM (5067 views)
Re: CNN Article RE: Online Docs - Lisa Ramsey/TX
6/14/2006 12:54:00 PM (5176 views)
Re: CNN Article RE: Online Docs - George Booth/OH
6/16/2006 1:03:48 PM (5080 views)

Title Direct, St. Paul, MN - Anyone got their number - Scott Aduddell/MO
6/13/2006 3:32:07 PM (3744 views)
Re: Title Direct, St. Paul, MN - Anyone got their number - Angelica Schneider/IN
6/13/2006 6:45:31 PM (5378 views)
Re: Title Direct, St. Paul, MN - Anyone got their number - Robert Breakell/CT
6/13/2006 8:45:34 PM (5369 views)
Title Direct and Zen Title - Jay Duncan/MO
6/13/2006 9:14:39 PM (7400 views)
Re: Title Direct, St. Paul, MN - Anyone got their number - Scott Perry/PA
6/14/2006 1:55:37 PM (5225 views)
Re: Title Direct, St. Paul, MN - Anyone got their number - DEE NYHUS/OR
6/19/2006 10:15:44 AM (5375 views)
Re: Title Direct, St. Paul, MN - Anyone got their number - RICHARD SOUDER/TN
6/19/2006 2:55:34 PM (7538 views)
Re: Title Direct, St. Paul, MN - Anyone got their number - Kevin Ahern/CT
6/19/2006 3:40:58 PM (5419 views)
Re: Title Direct, St. Paul, MN - Anyone got their number - george Hubka/MI
6/20/2006 6:15:21 PM (5295 views)

Shameless Flaming - George Booth/OH
6/13/2006 11:54:56 AM (4916 views)
Re: Shameless Flaming - J Nisonger/CA
6/13/2006 12:31:14 PM (5397 views)
Re: Shameless Flaming - George Booth/OH
6/13/2006 12:55:26 PM (5273 views)
Re: Shameless Flaming - J Nisonger/CA
6/13/2006 4:16:07 PM (7210 views)
Re: Shameless Flaming - Robert Franco/OH
6/13/2006 5:03:49 PM (5234 views)
Re: Shameless Flaming - Robert Franco/OH
6/13/2006 2:59:27 PM (5346 views)
Re: Shameless Flaming - J Nisonger/CA
6/13/2006 7:24:39 PM (5311 views)
Re: Shameless Flaming - LAWANDA  MCMILLIAN/AR
6/13/2006 8:34:49 PM (5191 views)

Integrated Real Estate Processing - Jack Johanson/PA
6/12/2006 2:21:28 PM (10945 views)
Re: Integrated Real Estate Processing - Sandra Morton/KS
6/12/2006 5:48:38 PM (5897 views)
Re: Integrated Real Estate Processing - Michaela Urban/OH
6/12/2006 6:32:48 PM (5832 views)
Re: Integrated Real Estate Processing - Helene /GA
6/16/2006 12:20:59 AM (5499 views)
Re: Integrated Real Estate Processing - Michaela Urban/OH
6/16/2006 10:03:28 AM (5549 views)

Identity Fraud - CNN - Lisa Ramsey/TX
6/11/2006 1:03:46 PM (4672 views)
Re: Identity Fraud - CNN - monica froese/ME
6/11/2006 6:47:41 PM (5366 views)
Re: Identity Fraud - CNN - Lisa Ramsey/TX
6/12/2006 5:33:26 PM (5339 views)
Re: Identity Fraud - CNN - Lisa Ramsey/TX
6/12/2006 5:33:28 PM (5179 views)
Re: Identity Fraud - CNN - Robert Franco/OH
6/12/2006 10:57:39 AM (5333 views)
Re: Identity Fraud - CNN - Lori Cassidy/CT
6/12/2006 11:10:16 AM (5374 views)

DRI Title and Escrow - J Nisonger/CA
6/10/2006 1:42:13 AM (4003 views)
Re: DRI Title and Escrow - Glenda Hodge/TN
6/10/2006 3:17:14 AM (5727 views)
Re: DRI Title and Escrow - Wendi See/SC
6/10/2006 10:27:01 AM (5644 views)
Re: DRI Title and Escrow - J Nisonger/CA
6/10/2006 11:43:55 AM (5539 views)
Re: DRI Title and Escrow - monica froese/ME
6/10/2006 1:39:08 PM (5465 views)
Re: DRI Title and Escrow - Shannon Blatt/VA
6/11/2006 10:59:08 AM (5571 views)
Re: DRI Title and Escrow - J Nisonger/CA
6/11/2006 7:27:48 PM (5467 views)
Re: DRI Title and Escrow - J Nisonger/CA
6/11/2006 4:41:42 PM (5354 views)
Re: DRI Title and Escrow - Sandra Morton/KS
6/12/2006 9:11:03 AM (5471 views)
Re: DRI Title and Escrow - Scott Perry/PA
6/13/2006 11:42:01 PM (5335 views)
Re: DRI Title and Escrow - Patrick Tarr/NE
6/19/2006 12:04:32 AM (5548 views)


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