In order to make the most of your time and
energy as a loan signing agent you may want to lean the fifteen minute close.
Some advanced techniques to control the environment of a courtesy loan signing.
As signing agents you will find that sometimes you are in situations where the
environment is not ideal! For these conditions speed and technique play a major
role in the outcome of a successful signing. This quick guide will review the
fifteen minute loan signing practices below.
You will find three main elements of a quick
signing they are cadence, control, and speed. When you marry speed and cadence
you will maintain the "control". Without control, the catalyst of my
fifteen minute methods you will not have success. Note, this is not a method
for beginning notaries. These are advanced techniques that seasoned signers
should use if they understand the ins and outs of every page of loan
documentation and can answer any and all questions that may arise at the
signing table with conviction.
The notary always sets the tone and tempo of a
loan signing, if you want to compel your cohorts to keep a steady pace from the
moment you sit down you must elicit control. After your introductions are done
dive right into notarizing docs. If your state does not require a journal then
do not use one, they are time vampires. In order to keep the fast pace and
timing use these tactics to do so, first things first! The cadence, when
explaining the docs it should be exciting fast and fun! Be confident and astute
put the first doc out and wait. Hem in any small talk with explanations of
terms, this will deflect chatter. When singing docs start with the HUD slowly
then progressively increase the speed of your cadence. If borrowers stall and
start dissecting doc verbiage then slip in a few questions that will draw
attention back to the controller. For example, what is your favorite place to
go on vacation or what do you do for work. They will answer and most likely try
to elaborate. Now this is critical! Let the borrowers give the answer but if
they start diving into the details simply move your pen to the place they
should sign, and look up at them with a well-timed smile. Mobile notaries have
a few good tools, the pen, nod, and smile. Now, If the borrowers still are
talking in response to your question move the pen back to the signing area
smile, nod and tap once, then continue your cadence. When you have completed
notarizing you docs and are now tossing papers slip in a few jokes and ask them
about the details of their life. Be sincere and use that well timed smile!
Remember to have fun and laugh. When you are funny, add sizzle, and maintain
excitement your audience will follow having fun as well.
The fifteen minute closing will allow you to
effectively and efficiently elicit control of all signings while being thorough
and fun in tough environments. For example, agitated spouses, Individuals
returning from crisis, noisy Starbucks, ferry terminals, the smoking man,
polluted homes, or borrowers that like to throw things like- pens and paper.
Borrowers in most cases will want to get
through the documents in a timely manner. As a loan signer it is your
responsibility to explain the documents in an expeditious manner while
respecting people's time. The whole process from start to finish in some
instances can take the borrowers well over three months and they are most
likely will have a fervent understanding of the terms and details precluding
your arrival. So make this a fun and fast experience and let them return to
what is really important, their families. Time is the most valuable asset on
this planet and a precious commodity. Please Value the borrowers time and yours
during this transaction and the hiring party and borrowers will most certainly
thank you.