Opinion ID: 1539570
Heading Depth: 1
Heading Rank: 21

Heading: 3 Red Oak Road Home Equity Line of Credit

Text: 36. On October 10, 2005, on behalf of himself, the Respondent acted as the settlement agent in obtaining a home equity line of credit mortgage on the Respondent's personal residence, 3 Red Oak Road, Wilmington, DE 19806 (the 3 Red Oak Road Home Equity Loan). 37. As the settlement agent for this home equity loan transaction, the Respondent had a professional obligation to ensure that the transaction was appropriately documented, including by obtaining notarizations performed in accordance with proper legal procedures. 38. The mortgage for the 3 Red Oak Road Home Equity transaction purports that the instrument was acknowledged before Ward and notarized by him on October 10, 2005. However, the Respondent signed this document outside of Ward's presence, and then provided it to another person along with a direction to obtain Ward's notarization.