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This is super annoying. We have a mortgage that covers property that's both Abstract and Torrens. Basically, our County Recorder has 2 separate departments, and whether a mortgage needs to be recorded with one or the other depends on whether it's considered "Abstract" or "Torrens." I don't really know what those mean, other than it shows up on property tax documents and title work. Abstract properties are usually in town, while Torrens properties are usually rural. If a mortgage covers multiple parcels, those parcels could be a mixture of Abstract and Torrens properties. In that case, the mortgage has to be recorded in BOTH departments, and there's extra filing fees.
We now e-file all our documents, which makes it quicker. And that's good when something like this happens. I recorded the mortgage in the department for Torrens properties. It came back as a pdf, as it does. Instead of printing it out, scanning it back in, and uploading the scan to record it on the Abstract side, I decide to just upload the pdf the Torrens side sent me. Should be fine, right? Well, the County's documents always come back like they're scanning the thing on a flatbed scanner. What I mean is - our mortgage is on legal-size paper. The first page from the County with the recording information is letter-size paper. Except on the pdf, the first page is legal-size showing their recording information at the top, except for that last little strip at the bottom where the first page of our mortgage shows through.
So when I uploaded their pdf, it gets rejected because "The bottom of the first page of the document appears at the bottom of the Torrens recording document. Please rescan the first page so it doesn't appear there."
That's how you sent it to me! Now I have to print out the document, physically cut off the bottom of the first page so it's letter size, then scan and resubmit the whole thing. There isn't even a way to respond to the rejection on the e-file site so I can tell them they're the ones who messed up the first page.
The only positive is that it only takes a day or two to get recorded documents back by e-file, compared to weeks when we had to send them through the mail.
We now e-file all our documents, which makes it quicker. And that's good when something like this happens. I recorded the mortgage in the department for Torrens properties. It came back as a pdf, as it does. Instead of printing it out, scanning it back in, and uploading the scan to record it on the Abstract side, I decide to just upload the pdf the Torrens side sent me. Should be fine, right? Well, the County's documents always come back like they're scanning the thing on a flatbed scanner. What I mean is - our mortgage is on legal-size paper. The first page from the County with the recording information is letter-size paper. Except on the pdf, the first page is legal-size showing their recording information at the top, except for that last little strip at the bottom where the first page of our mortgage shows through.
So when I uploaded their pdf, it gets rejected because "The bottom of the first page of the document appears at the bottom of the Torrens recording document. Please rescan the first page so it doesn't appear there."
That's how you sent it to me! Now I have to print out the document, physically cut off the bottom of the first page so it's letter size, then scan and resubmit the whole thing. There isn't even a way to respond to the rejection on the e-file site so I can tell them they're the ones who messed up the first page.The only positive is that it only takes a day or two to get recorded documents back by e-file, compared to weeks when we had to send them through the mail.
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