Notary for Mortgage Closing: What Borrowers Should Know

At a mortgage closing, the notary witnesses signatures on the deed of trust, note, and supporting affidavits. Here's how to prepare.

During a mortgage closing, a notary or loan signing agent may witness signatures and notarize key documents in the loan package.

Role of the notary: verify signer identity, witness signatures, notarize required documents, help maintain signing order through a sometimes-large package, and return documents according to lender or title instructions. The notary does not explain loan terms.

Documents that may be included: deed of trust or mortgage, signature/name affidavit, occupancy affidavit, compliance agreements, the Closing Disclosure, and the note.

How to prepare: bring a valid government-issued ID, review the appointment details with your lender or title company, do not sign anything before the appointment, ask the lender or title company about loan terms in advance, and confirm the location and time the day before.

Search for mortgage closing notaries and loan signing agents on NotaSealPros.