Frequently Asked Questions
Q. 1. What do I need to have available at Signing/Closing?
A. 1. Unexpired ID = Drivers License or Passport. Print a nicely readable copy that the Notary will compare with the original and return to the Title Company for their records. Please have a number at which you can reach your Loan Officer if necessary. Most will give their cell number to clients.
Q. 2. How long will the Signing/Closing Take?
A. 2. About one full hour for two (2) Signers. Longer if there are questions or problems with the Documents that need to be addressed by the Lender or Title.
Q. 3. If the loan is just in my name does my spouse have to even be there?
A. 3. If the property is a Texas Homestead (you live in it) then your spouse will have to sign Marital Documents required by the State of Texas and your County Clerk.
B. 3. If the property is an investment property (not your Homestead) or second home and only in the name of the person who will sign the Note then only that person will have to be present to sign the Documents.
Q. 4. Can we sign on another day if my schedule doesn’t allow time on the day designated as Signing/Closing date?
A. 4. Texas documents for Homestead or investment property must be signed on the date scheduled. If it is necessary to change the date Contact the Lender and tell them it is impossible to do so on the scheduled date. If one of the parties can sign in the a.m. and the other can be available in the p.m. the lender can authorize a dual signing to facilitate both parties time schedule. They will do everything they can to help in this regard.
Q. 5. Why might I have to close my loan in a Title office instead of my home as indicated by my loan officer. This is inconvenient.
A. 5. If your loan is designated a Texas Home Equity Loan (50 a 6) where you are taking cash out of equity or if you have done so in any past loan then you must under Texas law close in a Title or Attorney’s office. Some Equity Loans are Signed in the Bank that is making the loan to the client. This is also acceptable in Texas.
Q. 6. I never heard of a Mobile Notary coming to meet me at my home or office? Is this legitimate? I have always closed in a Title office.
A. 6. Mobile Notaries have closed loans at the convenience of the client for many years in Texas. You may designate any reasonable meeting place. If you were required to go to a Title office then that was for the convenience of the Escrow Officer from that Title office so that she or he would not have to leave the office to complete the closing.
Q. 7. How does the Notary Signing Agent who is handling my loan get the documents?
A. 7. Documents are sent to the Notary via a secure website requiring both passwords and private log-ins. Occasionally they are sent to the Borrower for advance review and/or to the Notary via UPS or FedEx.
Q. 8. How can I get my Loan Documents in advance so that I can have time to look over them?
A. 8. Inform your Loan Officer that this is important to you and that you will need the entire package one day in advance of Closing. They can be emailed to you.
Q. 9. Why might my Loan need to be rescheduled for another day or why might the time need to changed to later in the day?
A. 9. As you have learned during the process there are many people that are involved with the loan in order to get it to the Notary to print and bring it to the client.
Loan Officers, processor (s), Attorney’s who check over the documents for the Lender, Title Escrow officer who prepare State Specific documents for the Lender and also prepare the Settlement Statement or HUD. This HUD Statement goes back and forth from Title to Lender and Attorney’s until all problems are solved and numbers are correct. Here in Texas ours is more complicated than other States and have to be double checked for compliance with State Homestead Laws and Community Property Laws that may affect the loan.
If a problem causes a delay in getting the documents to the Notary then the Notary or Title office may report that the time will have to be moved to accommodate both signers and allow issues to be solved before the documents are released to the Notary.
Q. 10. Do I need a Certified or Bank Check to give to the Notary?
A. 10. This varies with the Title Company. Some will take a personal check up to $500 or even $1500. Others have Company policies that are different. Most Title Offices will give you Wiring Information to transmit the monies to them. Be sure to ask this question of your Title Contact and or Loan Officer.
MOBILE NOTARY PUBLIC AND CERTIFIED SIGNING AGENT
LICENCED BONDED INSURED BACKGROUND SCREENED
NATIONAL NOTARY ASSOCIATION
COMPETITIVE SIGNING RATES
LOCAL PICK-UP AND DROP OFF FOR TITLE AGENCIES
HP LASER PRINTER – FAST – LEGAL AND LETTER SERVICE
FAST D.S.L. CONNECTIONS
GREAT IN-HOUSE CONTRACT RATES FOR LOCAL TITLE OFFICES
SERVING TARRANT, DALLAS, COLLIN AND DENTON COUNTIES
ADDITIONAL SERVICE UPON REQUEST
ELECTRONIC CLOSINGS & FINGER PRINT SERVICE AVAILABLE
RATE AND TERM REFINANCES
TEXAS HOME EQUITY LOANS AT LOCAL TITLE OFFICES
BUYER / SELLER TRANSACTIONS
SAME DAY CLOSINGS
AFTER HOUR AND WEEKEND APPOINTMENTS AVAILABLE
NEW ELECTRONIC SIGNINGS SERVICE
SERVING DIGITAL LOAN NEEDS
*Note* Notary Signing Agents are background screened for your protection and receive loan closing education in order to help facilitate your closings. They are obligated to refer questions regarding the Title Settlement Statement HUD to Title Company contacts and any questions regarding the Loan Documents to the Lender.
Signing Agents are not Attorney’s and can not give legal advice.