A 'Cool Hand Luke' moment: conflicting closing instructions

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I have come to accept that not everything in this business makes sense.  So it comes as no surprise to me when I see important instructions for the closing embedded several pages within the loan documents.

And I learned my lesson a long time ago that you are going to get conflicting instructions.  One company will tell you to do one thing, while another company will tell you to do just the opposite.

I'm doing a closing today in Florissant, Colorado.  The instructions that I received state that the signing should be done in BLUE ink only:

blue ink only

Not just one exclamation mark -- two (!!) So this must be a very important requirement.

However, after I printed out the loan documents and began my preparation for the closing, I found these instructions to use BLACK pen only:

Black pen only

They were on page 28 -- almost a third of the way through the documents.  If I hadn't read through all of the documents first, I would have begun the closing using BLUE ink, only to discover that the lender wants BLACK.

It's days like this when I feel like Cool Hand Luke. One 'Boss' is telling me to do one thing, and another 'Boss' is telling me to do something totally different.

Cool Hand Luke'Luke, I thought I told you to use BLUE ink only. ...'






P.S. The lender instructions say to use black 'pen' only.  I suppose I could use a black 'pen' with a blue ink cartridge.  That way I could satisfy both Bosses.  Although I think it would be safest to use BLACK ink for this closing.




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Scott Guay
Berkshire Hathaway Home Services PenFed Realty - Ocean Pines, MD
Associate Broker. Ocean City and Ocean Pines MD

I have seen the blue ink requirement before.  I believe it is to be able to tell the original.  With color copiers it does not make and sense to me.

Apr 25, 2009 12:47 AM #1
Kate Kate
San Diego, CA

or perhaps alternate pens during signing. or... let's see, one page black and one page blue.

  • Love your idea to use a black pen with blue ink. So, how about including a video to prove blue ink came from a black pen. kate ford
Apr 25, 2009 01:19 AM #2
Leon Austin
Mobile Notary Services - Colorado Springs, CO
Colorado Springs Mobile Notary

Scott, 99% of the time blue ink is what the lenders want.  Although I have learned that it's best to read through all of the pages of the loan documents.  You never know when you're going to get that 1% that wants black.  And they usually put that requirement inside the documents -- not on the top.

Kate, at one point I thought of using BLUE ink for the title documents and BLACK ink for the lender documents.

Apr 25, 2009 01:40 AM #3
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Leon Austin

Colorado Springs Mobile Notary
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