Hess Notary & Loan Signing Mobile Services

A Quick Guide for Clients

Navigating the world of loan documents can be a complex and overwhelming process. One key player in ensuring everything is correctly signed, dated, and delivered is the Notary Loan Signing Agent. Here’s what you need to know about this crucial role:

Understanding Notary Loan Signing

Notary Loan Signing refers to the process where a notary public, who has also trained and certified as a Loan Signing Agent, oversees the signing of loan documents. This ensures that the process is done correctly, legally, and in a timely manner. The Notary Loan Signing Agent is responsible for verifying the identity of the signers, explaining what each document is, ensuring that all documents are signed appropriately, and notarizing the necessary documents.

When Do You Need a Notary Loan Signing Agent?

You might need a notary loan signing agent during various loan transactions, such as:

• Home Purchases and Refinancing
• HELOCs (Home Equity Lines of Credit)
• Reverse Mortgages
• Auto Loans

The Role of a Loan Signing Agent

A Loan Signing Agent (LSA) is a specialized Notary Public who has additional training to handle loan documents and other documents included in Real Estate loan packets for purchase, refinance, and others. Here is their role:

1. Verify Identity – The LSA confirms the identity of the signers using valid identification. This is crucial to prevent fraud and ensure that the right individuals are signing the documents.
2. Guide the Signing Process – The LSA guides the borrowers through the signing process, making sure they understand what each document is and what it says when they are signing. While the LSA cannot give legal advice, they can answer general questions about the documents.
3. Ensure Correct Signing – The LSA makes sure that all documents are signed, dated, and initialed correctly. This attention to detail assures documents go without delay through the loan closing process.
4. Notarize Documents – The LSA notarizes the required documents as required to complete the loan/escrow.
5. Return Documents – Once the signing is complete, the LSA checks packets for completion and assures safe and prompt return to the lender or escrow company handling the loan.

The LSA helps protect both the lender and the borrower by assuring that all documents are correctly executed and compliant with the requirements of Title/Lender/Escrow companies to process the transaction.