Ever since the inception of the new 1003 loan application there has been uncertainty among notary signing agents about the signatures required on the top of the first page. The confusion is in the instructions that are given:
If there are two borrowers, then of course you have both of them sign the top. But what if it's a single borrower?
Sometimes there are instructions included:
Note that in the next example, the plural form of borrower is in parentheses (s), indicating that there should be a signature at the top, whether it's a single borrower, or if there is a co-borrower:
However, instructions are not always given. Unless I receive instructions otherwise, I will have a single borrower sign the top. My thinking is that, if the application doesn't require a signature on the first page, and since it's a copy of the 1003, the lender can swap it out with a new page. And if it is required, you have the signature.