Signature Analysis Reports For Mortgage Loans

Many fraudulent are out there forging signatures and getting away with people’s money. Here are some suggestions to help you identify such cases while trying to sell your home or buy a new one.

• Reverse the direction of it.

Inverting a signature is the best approach to compare them. By doing this, you can examine it objectively and seek telltale indicators and minute variations between the two that can expose it as a fake because your mind won’t be reading it.

• Watch out for stamped signatures.

Signatures forgeries are frequently mechanically duplicated. Thumb over the signature, paying close attention to its contour. The “signature” is probably a facsimile if it is flat.

As an alternative, you can tell that ink was applied later if you can feel the texture of it on top of the page. Also, keep in mind that fabric like sports shirts won’t work with this approach because they absorb the ink without leaving a raised layer.

• Carefully examine the ink.

Look for visual cues with your magnifying glass in hand.

All the ink is applied simultaneously and squeezed to the rubber’s edges when a signature is stamped on. You may see more ink on the borders of the lines than in the middle with a magnifying glass. Look out for machine-printed signatures that could appear excessively “smooth.” Check the ink’s color. Examine the ink if you’ve determined that the paper is probably real. It might be oxidized if it is dark brown, like dried blood. Some vintage inks contained iron oxide. If the color is a deep brown that turns yellow at the margins, the ink was created from a hard cake that was dissolved in a solution of water and egg yolk. That, however, would be very old. The most likely type of paper to be used for those inks is vellum. There was nothing else at the time. If a pen is used to sign a name, the nib will cut through wet ink to create “tunnels” and “bridges” that are visible under a microscope. Autopens, which use a mechanical arm to move a pen over a plastic or metal signature template, or “matrix,” can, nonetheless, be used to replicate signatures.

• Search for “robotic” warning indicators.

You sign your name in one fluid motion as you write it. Additionally, as you move the pen toward the page to begin writing, it is already in motion.

Contrarily, the auto pen begins with a dot and ends abruptly with another dot. This is visible with a magnifying glass. Vibrations in the autopen machine may be to blame if the signature appears unusually “shaky.” Watch out for machine-like straight lines, particularly if they are broken up by unintentional “robotic” wobbles that can show where the autopen has slipped. Look for contradictions. Do the lines lag behind? Does it appear like the pen was taken from the writing surface? Some people do this, but it’s frequently the places where the line is broken that might reveal a fake.

• Place it in the light.

The signature is probably a fake if the ink is too faint or appears to have been placed evenly throughout. It has almost probably been stamped if it glows a slightly purple tint.

Obtaining the celebrity’s signature on the photo’s negative and then reproducing it is another approach. On the photograph, if the signature is silver in color, it was probably stamped.

• Consider the numbers.

A faker is capable of producing 30 to 40 David Beckham signatures. However, Beckham himself would never sign that many. In fact, out of concern that they might be auctioned, he probably won’t sign more than one at a time. Genuine merchants are therefore unlikely to stock more than one David Beckham signature per month.

Also keep in mind that celebrities and other figures frequently devote their signature to a specific person, making them solely useful to that person.

• Consider the manner, occasion, and intent of the signing.

An signature from before the 1960s that is written on the felt tip is false. Before the 1960s, felt pens were unheard of, and the document should be signed with ink.

• Consider this:

Would this have been signed by the person? Why would the President of the United States sign an index card, for instance? Numerous documents signed after the 1930s that claim to be authentic but aren’t include appointment or discharge certificates for military service, samples of paper money, appointments as postmasters, and land grants.

There are some exclusions. A case involving multiple WWII Silver Certificate dollar bills that were signed by various heads of state, elected officials, and military personnel were highlighted on Antiques Roadshow.

• Search for any additional text that might support the signature’s authenticity.

A piece has more errors to look for the more signatures there are on it. Comparing a sports shirt with 10 bogus team signatures against one with 10 genuine ones makes it simple to identify the fakes.

The fakes are frequently written by a single author. They will occasionally be the same way up, the same height, and uniformly spaced.

Being there when a signature is made is the greatest approach to ensure its authenticity. Don’t assume that a celebrity will sign your letter when you ask for their signature. A helper will frequently carry out their request for them. Unfortunately, the simplest way to prevent this problem is to be present when the signature is being made.

Those who use our advanced electronic signature solution also have a variety of electronic evidence collected during the signature process, in addition to being able to present an expert report with the reliability that comes from the fact that the biometric data we collect are impossible to falsify. These proofs provide details on the execution of the signature, such as the place where it was executed, the time and date, or the IP address, among other things.

Mortgage Audits Online provides a range of signature verification services to assist you in spot forgeries more quickly, as well as lessen the workload manual verification places on your team. Call us now to find out more.