Probably Lenders, banks, signing agencies, title companies, loan officers have their specific ideas on how a Notary Public should handle a signing. This summary from BOA may be close of what in general is expected from a Notary.
APPEARANCE AND HYGIENE
The signing professional should project a professional, well-groomed image to include aneat appearance and good personal hygiene. Both business attire and business casualattire are appropriate. Smokers should be conscious of the sensitivity of non-smokersas well as the lingering affect that smoking may have on clothing, hair and skin.
♦ Business Suits-Men & Women’s♦ Business Slacks♦ Skirts/Dresses (to the knee orbelow)♦ Dress Shirts with Tie♦ Blouses♦ Dress shoes
Business Casual Attire
♦ All of the above plus♦ Pants :Tailored Slacks (includingdockers and khakis)Capris /Crop Pants (mustbe 4” below knee)Split skirts(to the knee orbelow)♦ Shirts :Dress Shirt – without tiePolo Shirt (must have acollar)SweatersSleeveless shirts/dresses(must cover shoulders,back, and midriff at alltimes)♦ Shoes :Casual dress shoeSlingback/Open-toe shoes
The signing professional should always depict professional and respectful behaviorduring the signing regardless of the signing location (Borrower’s home, Bank of Americabanking center, etc…) and the informality reflected in the environment.
Do not bring a guest (friend, child, spouse, or pet) into the signing or haveguests wait outside in a vehicle.Park vehicle on the street and never in the Borrower’s driveway.Use designated walkways and paths to get to the front door. Do not crossover the lawn and/ or the flowerbeds. Be careful not to track any dirt or debrisinto the Borrower’s home on your shoes.The signing agent should introduce himself/herself as a signing professionalat the request of Bank of America and the title company.Be prepared to present identification to the Borrower to establish identity ofsigning professional.Greet the Borrower with a handshake and wait to be invited inside. Onceinside, suggest an appropriate place to conduct the signing such as a kitchenor dining room table.Be respectful of the banking center environment. The signing professionalshould connect with bank personnel upon arrival to identify what space hasbeen designated for the signing.
Conduct During Signing
Each Borrower’s prior involvement with the signing process will be different. SomeBorrowers may have had participated in many signings and for others, the currentsigning represents their very first experience. The Borrower may have many concernsor have lots of questions. The signing agent should be prepared to respondappropriately to include calling their Service Provider for assistance or directing theBorrower back to the Bank for answers, as warranted. The signing professional’sconfidence, control and preparation can influence the direction of the signing.
Focus complete attention on the Borrower and signing activity at hand.Do not accept calls during the signing.Place cell phones, pagers and other electrical devices on silent or off mode.Witness the Borrower signing. Do not leave the Borrower to sign alone forany reason.Present the entire document to the Borrower for review and signature. It isnever acceptable to present the signature pages only.Be patient. Borrowers should not be rushed through the signing process.Be prepared to speak to the general functionality of a document in thepackage. Borrower should direct any loan specific questions to their bankrepresentative if they have questions regarding the details of the loan. Anyopinion/response from the signing professional may confuse the Borrower orimply a promise or commitment outside the scope of the transaction.
Conduct During Signing cont…
Contact the Service Provider immediately if Borrower refuses to sign anydocuments.Respect the importance of this transaction to the companies you represent.Do not engage in conversation with the Borrower that may discredit eitherBank of America or the title company being represented.Do not provide advice of any sort to the Borrower or any party involved in thetransaction.Do not engage in personal conversation with Borrowers at any time. Personalconversation can be defined as discussing anything unrelated or notassociated with the closing.Avoid small talk. Sports, politics, religion, news events and even commentsabout the Borrower’s home should be avoided.Never use foul language or slang while speaking with a Borrower.Double check closing documentation for accuracy before closing and afterclosing.Thank the Borrower for his/her time. Forward the executed package immediately to the appropriate party followingthe signing. The security of the Borrower’s information is a priority. The transporting andtransmission of the closing package and all related documents/informationshould be handled with extreme care.