Our ROR docs have a signature line for the Borrower to acknowledge two copies of the doc. There is also, of course, the "I want to Cancel" signature line.

Can we correct an ROR where the Borrower signed on the incorrect line? Yes, you know where they signed!

The funds are already out the door by the time these files are in my office, btw.

You could ask them to come back in, sign the correct spot, cross out the incorrect signature and initial the cross out. That might afford some protection. But really...if you've done ROR incorrectly, there's really no sure fire way to correct it in my opinion. The risk is low until you try to foreclose or the borrower really DOES want to rescind within the first three years.

You know what's funny? I asked the loan officers, that aren't troubled, to explain what happened without using the words "correct" and "rescission doc." How fun was that?

You may want to search the threads using +accidental +rescission as the search term and my user name.

Oh Dan......Thanks though for leading me down that path.