I am doing a short sale and the lender is Wells Fargo. Having gone through the usual hassle getting them to acknowledge I'm alive, they asked me all the usual questions to verify it was not Batman instead of me.
All the people up to now have been curteous, and I have been patient. Then I get Lu Lu from La La Land. She was also curteous, but she asked me if there was anything more in the seller's last name. The sellers were a couple named Jane Elizabeth Jones and John Smith. I know them. I read there names off the deed. She kept saying there is more to the seller's name. I kept saying I didn't have more. This went on for awhile and I was getting ... ticked off. So I decided to just hang up and start over. No one had previously asked me this ludicrous question, so maybe a new head would not ask me. The new head goes through all the questions again and asks for the seller's names. I answer. She says there is more to the seller's name. Now I'm totally flabergasted. Then it came to me ... they got married after they bought the house ... so I said "Jane Elizabeth Jones Smith and John Smith" and she perkily said "Thank you" and I was in.
Three things were reaffirmed in my mind here. First, I would not have their job in a million years. Second, you should always get a copy of the mortgage statement to get the names instead of relying on the deed (for some reason they changed the mortgagees name but not the deed). Third, never expect them to attempt to think because you'd be better off with R2D2 on the line.