Notary signing agents are often instructed by signing services, lenders and title companies to tell borrowers to “sign as printed.” However, the borrower’s printed name on the documents is often not the same as what the borrower typically signs.
For example, you have been instructed to have the borrower sign with his first and last names and an initial for the middle name. The borrower argues that his legal signature contains initials for both his first and middle names and points to his driver’s license as proof.
In this situation, don’t argue with the borrower about what is or is not a legal signature. Don’t try to explain that a definitive legal signature does not exist. A notary cannot offer legal advice.
Explain to the borrower that you have been instructed by the lender to have him sign in a certain way. If he chooses to sign another way, it may delay the closing. The borrower can always call the lender to verify the instructions.
If the borrower insists on signing his way, politely finish the signing. Make sure that the borrower’s signature is consistent on every document of the loan package.
When you return the loan documents to the lender, title company or signing service, include a note explaining the situation about the signatures.