Being proficient in your knowledge of the documents contained in a closing packet is a great advantage as a signing agent. The more confidence you have with the documents will not only help a closing move quicker, but it also will help if something looks unusual or appears to be missing. While it is not the “responsibility” of the signing agent to make certain all documents are contained in a package, knowing what should usually be in a packet can assist you in with asking questions in advance rather than having funding possibly delayed due to an incomplete packet.

Standard in a Refinance or Purchase you should usually find the following documents:

Closing Disclosure
ID Verification (some sort of)
1003, also called the Loan Application
Signature/Name Affidavit
Owners/Borrowers Affidavit
First Payment Notification
Escrow Disclosure (if they have an escrow)
Amortization Schedule
Compliance Agreement and/or Correction Agreement

Standard in a Sale you should usually find the following documents:

Settlement Statement
Closing Disclosure
1099 Form
Certification for No Information Reporting on the Sale or Exchange of a Principal Residence
Seller’s Affidavit
Disbursement form

Remember, not all of these forms will be in every packet. It will depend if this is a traditional wet signed packet, or if the signers have already completed some documents on-line (a hybrid). It will also depend on the lender and title company who each may have their own forms they utilize. Lastly, each state may have their own specific forms as well. Over the next couple weeks I will go over some of these common forms, so make sure to check back for updates.

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