How to take the frustration out of signing documents for Provident Funding loans

Because Provident Funding is known for their lack of flexibility when signing documents, we’re providing the following requirements to help ease the process and ensure a smooth signing.  Please be very careful when completing a signing for Provident, any mistakes on the signing will result in a resign and a reduction in the notary fee.

Provident Funding Requirements

  • All loan documents MUST be printed on 8 ½ X 11 paper.  Please NO 8 ½ X 14
  • Cross outs or corrections are NOT allowed on any of the documents. If a change needs to be made, swap the document with the customer’s copy to re-execute it.
  • If anything is wrong (names, address, etc.) the signing is adjourned. There can be no manual changes made; the documents will need to be re-drawn.
  • Changes CANNOT be made to the notary jurats or acknowledgements – attach a new jurat or acknowledgment if anything needs to be changed.
  • The borrower MUST write their own Dates and Sign consistent through out the entire file.
  • The borrower MUST write their own Dates on The Notice of Right to Cancel – all dates must be by their own hand and pen – both borrowers MUST use their own pen – no swapping or changing at any time during the signing.
  • AKA Statement – Cross-outs are NOT acceptable.  They may write their dispute on the document, but NO cross-outs.

At this time, Central Signing Service will no longer pay for additional trips or redraw fees due to these instructions not being followed. We are Provident approved and have a large bulk of the business so please let us know if you are not able to meet these standards.

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  • “Cross outs or corrections are NOT allowed on any of the documents. If a change needs to be made, swap the document with the customer’s copy to re-execute it.”

    Never did quite understand this. If there is something incorrect in the document are we expected to permit it to go through even though it is incorrect? What about notarized documents?

    • Lisa says:

      Only Providet seems to be such a stickler on this one. If anything is wrong or changed on the document, they require a redraw. If your acknowledgment is incorrect, you can not change it. You must attach a new correct acknowledgment or Jurat.

  • Lisa says:

    When dealing with Provident documents there are no corrections allowed to be made at all. If there is something in the content of the document that is incorrect, such as a name or address then the signing must be adjourned and the documents must be re-drawn. In a situation where a party writes a wrong date, or signs incorrectly (omitting a middle initial perhaps)then you would take an clean copy from the copy package and swap it out and have it signed again, correctly as an original. Another example is if the notary acknowledgement has a state and county pre-printed for the wrong area, you can not cross out and correct it. You must attach a clean new acknowledgement with the correct information. I hope this helps.

  • Albert E. Thomka says:

    Attn: Central Signing

    Please update my info in your data base to read that I will not take and closing assignments that are from Provident Funding effective immediately.

    Thank you

    • Lisa says:

      No problem. As an independent contractor you have the option of refusing any orders. Please know that Provident is one of the few lenders still doing high volumes of good loans and by doing so, you may be decreasing the numbers of signings that we are able to send your way.

  • Rodney says:

    If there is something incorrect in the content of the document(s) and the signing must be adjourned; who pays the notarial fee, as this a defective document and not a notarial error? Moreover, will Provident (or whomever) include a reasonable reimbursement for reprinting and travel expenses? Just curious.

    • Lisa says:

      Central Signing Service hires you, therefore it is us who negotiates and pays your fee. If the signing has to be adjourned due to a problem, we always take care of any travel fees or printing costs incurred. Always call our office from the signing or our after hours number prior to determining if the appointment should be adjourned or not.

  • Re: AKA and/or Signature Affidavits
    1. if the name is not known, do you want the borrower to hand-write on the doc “not known as”? (without any crossing out of the incorrect names)
    2. do you want the borrower to SIGN that line in any way? Thx.

    • Lisa says:

      Thank you for asking this questions! YES, if the name listed on the AKA statement is wrong or the borrower has never been known as that name, please write “not know as” or something equivalent and the signature line only. Do not cross it out and do not leave it blank. They should not sign it if it doesn’t pertain to them, however they must white the appropriate notes on the signature line to show it has been addressed. This rule can be used when signing Provident Funding packages and other lenders as well.

  • Steve Rice says:

    ” Another example is if the notary acknowledgement has a state and county pre-printed for the wrong area, you can not cross out and correct it. You must attach a clean new acknowledgement with the correct information. I hope this helps.”

    And where is this new, clean acknowledgement supposed to come from?

    Picky is one thing but this is taking it pretty far past reasonable.

    • Lisa says:

      Again, your comments are welcomed. Their requirements are really not beyond resonable. They are just asking that we take necessary precautions when signing their documents. I could go over all the reasons which validate their request, however that would take up far too much space here. As a notary you should always have blank jurats or acknowledgement (specific to your state) on hand with you at all times. Not only in this case, but in many cases you may be presented with a document to notarize which contains no verbiage at all. You can usually download these forms from your state notary website or order them from the NNA. If you look up the proper state specified verbiage, you can even create them in Word on your computer as long as the say the proper statements and are in the proper form.

      I hope this helps.

  • Judith says:

    I have not had an appointment with Provident, however, Notaries ARE REQUIRED to put a line through the jurat or acknowledgement they are not using, when attaching a new jurat or acknowledgement.

    • Lisa says:

      Actually, there is no notarial law in place that states you must put a line through an acknowledgement or jurat you are using. As a preventative measure, it is recommended that on the signature line of the one you are not using you simply write the words “see attached jurat or acknowledment”. Stiil, no cross outs, just the simple phrase written on the signature line. Caution must be taken however: if you are only signing one party to the transaction, the other notary may need to use the one you are not using, say for example that parties are signing in different states with different verbiage requirements.

      The general rule remains, even in this case … no cross out on Provident Funding documents.

  • Janie Wible says:

    Hi Lisa,
    When ever I do a provident, it is very stressful just knowing you can not make a mistake. My biggest fear always is – the borrower will also make an error on the clean copy after you have replaced it. Now you have no clean copies – do we call you at that point & adjourn the closing? I had one borrower one night that made a mistake on at lease 1/2 of the pages, he made it a very stresful long closing.

    • Lisa says:

      This sounds like an isolated situation. Typically a borrower does not make that many mistakes in the documets. The best way to go about this is not to stress or worry in advance. You should approach each loan signing in a similar way. Discuss with the borrowers how they are to sign and date each document before you begin signing the documets. Are they signing with their middle name or middle initial? Are the names and the property address spelled correctly? If a name or address is spelt incorrect, stop and contact us right away as the signing must be adjourned. Confirm that you all on the same date and that they each have a blue pen in which they are to continue to use throughout the signing. If it’s Provident, remind then they must write in their own dates. Many of these steps can be applied to every one of your signings and will soon become second nature. If you ever have such a problem in the future, yes please give us a call.

  • Irene Reynolds says:

    I did experience the biggest fear during a Provident closing. Mrs. Borrower wanted to mark her copy w/how they signed ea page. Unfortunately, she marked the note then proceeded to make a mistake on the original. Fortunately, his office was a mile away, had a laser printer and we were able to send the form to his printer and we were done. Needless to say, I will never, under any circumstances, allow borrower to mark their copy before they are done signing. However, it wouldn’t be the first time borrowers messed up both copies. Fortunately, not all lenders are as picky as Provident.

    • Lisa says:

      It is always a good idea to preserve the copy package in the event any of the pages need to be used in the original signing. Yes, the borrowers are often the cause of replacing documents or resigning packages when mistakes are made. This was a fortunate circumstance that a copy was able to be re-printed. Provident does have very strick guidelines; however on a positive note does a good amount of business that we are able to handle for them. Thank you Irene for thinking quick on your feet and getting this taken care of.

Anything to say? Leave a comment!