Mortgages and A Notary Signing Agent

Notary signing agents are notaries who are specially trained to manage and notarize mortgage loan documents.  The duties of a notary signing agent are much more involved than those of a typical notary. A certified signing agent has gone through additional educational courses and seminars to help them pass a new higher set of standards established by various governing bodies, including the Notary Public Commission. However, in order to qualify for the NSA (Notary Signing Agent) certification process you must first be a commissioned notary in your state.  There are many details about mortgage loan closing that a notary must learn to become certified.

my-reliable-mobile-notary-loan-closingMost mortgage lenders will hire an independent notary signing agent to complete the loan closing process.  They are a critical element to the closing and they will often manage the documents and ensure that they are returned to the correct entities on time for processing.

Although certification is not required by law, many lenders and title companies will ask that the agent be certified and background checked in order to meet compliance with the Consumer Finance Protection Bureau.  Since the agent will be handling sensitive mortgage loan documents a background check is usually required.

As with other documents submitted for notarization, the signing agent must verify the identity of each person who will be signing the loan. They are also responsible to be sure that the documents are written in English or they are translated so that the signer(s) are able to understand them. The agent must also be certain that the documents are signed and initialed in all required places and that they are returned to the lender and/or appropriate entity in a timely fashion.

The educational notary public process never stops for a notary signing agent. The agent should attend seminars and or training sessions annually to stay abreast of current knowledge on the ever-changing requirements for loan closings.

Some of the items the mobile notary signing agent may bring to a loan closing include their notary journal, both blue and black pens, paperclips, scotch tape, stapler, legal pad, legal sized envelopes, calculator, a copy of their notary commission, bond and insurance and FedEx or UPS supplies as needed. The agent will usually take care of sending the documents to the required recipients.

A professional, well trained notary signing agent will be a vital part of a smooth loan closing.

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