Question 1

What should a signing agent do to prepare before arriving at a signing appointment?

Accepted Answer

Review the loan documents for completeness, verify the borrower names, check for special instructions from the title company, confirm the appointment time and location, ensure you have your notary supplies (stamp, journal, ID), and print or organize the documents in signing order.

Question 2

In what order should loan documents typically be signed?

Accepted Answer

While order can vary by title company, a common sequence is: 1) Right to Cancel (if applicable), 2) Closing Disclosure, 3) Deed of Trust/Mortgage, 4) Promissory Note, 5) supporting documents and affidavits. Documents requiring notarization are often grouped together for efficiency.

Question 3

What should a signing agent say when presenting documents to borrowers?

Accepted Answer

The signing agent should identify each document by name, state its general purpose (e.g., 'This is your Deed of Trust, which secures the loan with your property'), and direct the borrower where to sign, initial, or date. The agent must NOT explain terms, give advice, or answer questions about the loan terms.

Question 4

How should a signing agent handle a borrower who asks questions about their loan terms (interest rate, fees, etc.)?

Accepted Answer

The signing agent should politely decline to answer and refer the borrower to their lender or loan officer. Say something like: 'That's a great question, but I'm not authorized to explain loan terms. Your loan officer can help — would you like to call them?' Never provide legal, financial, or tax advice.

Question 5

What is a 'wet signing' versus an 'e-signing' in the context of loan closings?

Accepted Answer

A wet signing requires the borrower to physically sign documents with pen and ink on paper. An e-signing (electronic signing) allows digital signatures on electronic documents, often using a platform like DocuSign or Notarize. Some hybrid closings combine both. The signing agent must follow the title company's specific instructions for each type.

NSA Notary Signing Agent — Signing Procedures

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