Real Estate Loan Signing Services

A loan signing is the final step in the real estate transaction where important loan documents are signed and notarized. This process often includes the mortgage, deed of trust, promissory note, and other legal forms required by the lender.

Yes, most home loan closings require a notary to witness and verify the signing of key documents to ensure the identity of the signer and deter fraud. A notary public, often a certified Notary Signing Agent (NSA), will guide you through the documents and confirm your identity.

Common real estate documents that require notarization include the deed of trust, mortgage, affidavit of occupancy, compliance agreements, and sometimes the promissory note. Your notary will ensure the proper documents are notarized based on the lender’s instructions.

Yes, mobile notaries and certified Notary Signing Agents are qualified to handle real estate closings. They travel to your location—home, office, or other convenient place—to notarize closing documents, offering flexibility and convenience.

Remote Online Notarization (RON) allows you to sign and notarize real estate documents online using a secure, encrypted video platform. This is a legal and efficient option in many states for clients who prefer a virtual closing experience. No travel required!

A Notary Signing Agent (NSA) is a notary public with additional training and certification to handle loan document signings. Unlike general notaries, NSAs are specifically trained to guide clients through complex real estate documents and follow lender-specific signing procedures.

Generally no, unless the notary is also an attorney, notaries and Notary Signing Agents are not permitted to provide legal or financial advice. Their role is to verify identity, witness signatures, and ensure documents are signed and notarized correctly, not to explain terms or offer interpretation. Notaries and Notary Signing Agents can, however, provide a general description of the document. For specific questions about your loan terms, it’s best to consult your lender or real estate agent.

A typical loan signing appointment takes approximately 45 to 60 minutes. The time may vary depending on the number of documents, the borrower’s familiarity with the paperwork, and whether the signing is in person or online.

You’ll need to bring a valid, unexpired government-issued photo ID (such as a driver’s license or passport). Make sure your name on the ID matches the name on your loan documents. Some lenders may also require a second form of ID, so it’s best to check ahead of time.

Yes, mobile notaries offer flexible scheduling and can travel to your home, office, or another convenient location. This service is especially helpful for busy professionals, families, or those with limited mobility.

Yes, many real estate closing documents can be notarized online through Remote Online Notarization (RON), depending on the laws in your state and the requirements of the lender or title company. RON allows you to complete the notarization process virtually with a commissioned online notary via secure audio-video conferencing.

It's best to not sign any notarized documents before your appointment. Most notarial acts require that the signer appear in person (or virtually via RON) and sign in front of the notary to confirm identity and willingness. Signing beforehand may invalidate the notarization.

In most cases, all required signers must be present at the same time for in-person closings. For Remote Online Notarizations, signers may appear separately if permitted by the notary’s platform and local laws, but it’s best to consult with the notary or title company to confirm specific requirements.

The notary is typically hired by the title company, escrow company, or signing service managing the closing. In some cases, borrowers or buyers may choose to hire their own mobile or online notary for added convenience, especially for after-hours or weekend signings.

Not all real estate closing documents require notarization, but critical documents like the deed of trust, mortgage, and affidavit of occupancy usually do. The notary ensures these documents are executed properly and legally binding.