Notarize Loan Documents

California

• •Deed of trust must be notarized for recording
• •All borrowers must sign in the presence of a notary
• •Right to cancel (3-day rescission) applies to refinancing
• •Loan signing agents must carry E&O insurance
• •Title company coordinates the signing appointment

California loan signings typically involve 100-150 pages. A trained loan signing agent ensures all documents are signed, initialed, and dated correctly.

Texas

• •Deed of trust requires notarization
• •Texas home equity lending has strict constitutional restrictions
• •Both spouses must sign for homestead property
• •Closing must occur at the lender's office, title company, or attorney's office
• •Texas allows RON for most loan documents

Texas home equity laws are uniquely restrictive. Closings for home equity loans have additional requirements including a mandatory 12-day waiting period.

Illinois

• •Mortgage must be notarized before county recording
• •Illinois uses mortgages (not deeds of trust)
• •Transfer tax stamps required in many counties
• •Attorney review period applies to residential purchases
• •Cook County has additional recording requirements

Illinois is an attorney state for real estate - lawyers are typically involved in residential transactions. The notary handles the document signing portion.

What is a loan signing agent?

A loan signing agent is a notary public with specialized training in mortgage documents. They guide borrowers through the signing package, ensure proper execution, and return documents to the title company.

Who pays for the notary at a loan signing?

The title company or lender typically pays the loan signing agent fee. This cost is included in the closing costs shown on your Closing Disclosure. Borrowers rarely pay the notary directly.

Can I do a loan signing remotely?

In Texas and Illinois, yes. Remote Online Notarization (RON) is available for most loan documents. California currently requires in-person signing for most mortgage documents.