Tips for Investing in Your 40s and 50s - Quicken Loans Zing Blog

When you’re in the process of closing on a home, there are a few individuals you’ll encounter the day you cross your T’s and dot your I’s, and each one plays an important part in helping you complete the home buying process.

One of these individuals is the notary public (in the closing process, referred to as the notary signing agent). Since notaries play an important role in the closing process, let’s break down who they are, what they do and the benefits of having a notary during the closing process.

What Are Notaries and How Are they Different from Signing Agents?

A notary is an impartial person who acts as a witness during the signing process of important documents, such as your closing documents. In other words, they’re legally authorized to sign (referred to as “notarize”) official documents and statements. According to the National Notary Association (NNA), they are individuals appointed by state government to be present during the signing of important documents and to validate that you aren’t being pressured to sign on the dotted line.

Their presence protects you, the signer, as they’re entrusted to confirm your identity before signing any official documents. They do this by validating a current ID that contains a photo, physical description and signature (like a driver’s license or passport). This process is intended to prevent fraud.

In the home-closing process, there‘s a specific type of notary called a notary signing agent (NSA) – these are notaries who are specifically trained to handle and notarize loan documents. They’re the last link in the closing process that legitimizes the closing documents to complete the loan.

How Does a Notary Work?

NSAs protect you by validating your identity and ensuring that you understand exactly what you’re signing. They traditionally have to be present during this time.

According to the NNA, your willingness to sign the documents “without duress or intimidation” is crucial. You, the home buyer, may be required to take an oath declaring your identity and understanding of what you’re about to sign.

The NSA’s job is to make sure you’re completely aware and willing to sign any documentation placed in front of you.

Because this is an important part of the closing process, the NSA has to be impartial, with no personal interest or bias concerning the documentation.

After the signing is complete, the NSA will add their signature, seal and notary commission (license) to the documentation, therefore notarizing your documents. Without the notarization, your documents aren’t considered valid and your state won’t accept the documents once they are sent for recording.

How Notaries Are Selected

Since NSAs must be impartial, without bias or a connection to you or your transaction, they’re chosen randomly for each closing.

At Quicken Loans, we reach out to Amrock, formerly known as Title Source, to search their network of notaries to find the individual with the highest satisfaction rate in your area. This is determined by the NSA’s W-9s, a copy of their notary commission, background check and a resume with three business referrals. In other words, we don’t take this selection process lightly.

Once the selection has been made, the NSA will reach out to you to make an introduction before coming to your closing location. This is what is known as a traveling notary, one who travels to meet clients in person and who is typically used as part of the mortgage closing process.

Each notary’s fee varies, but they can cost anywhere from $25 – $40 for one to two notarizations, with an additional $5 – $10 per notarization after two. They best way to find out how much traveling notaries cost is by asking your mortgage lender.

Benefits of Notaries

As we’ve touched on above, notaries are impartial and unbiased, and are there to make sure you understand what you’re signing before you sign. They’ll confirm your identity before signing documentation and are responsible for mailing the completed documentation for official recording. They’ll also come to meet you wherever you predetermine for the signing process.

Plus, depending on the state you live in, you may be required to provide a witness and have them sign the mortgage. Once you schedule your closing, you or your mortgage lender can contact the NSA and have them bring a witness with them, if needed.

While there are other things that will happen at a home loan closing, we hope we’ve broken down the importance of the notary’s part and how they help ensure a smooth closing process.

Do you have more questions about notaries and notary signing agents? Leave a comment below!

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This Post Has 581 Comments

  1. I am a certified Signing Agent with NNA. I am seeking employment with Amrock/Quicken Loans. I live in Tennessee. May I get some information so I can start working with Quicken Loans?

  2. Hello,
    I am a certified Signing Agent with NNA. I am looking to work for Quicken Loans. I live in Texas specifically DFW area. Can I get some information so I can start working with Quicken Loans?

    Thank you,
    Nick Covington

    1. Hi Nick:

      I’m going to get this to the appropriate team and someone will be sure to reach out if they have need in your area. Have a great day!

  3. I am an E&O NNA Notary in Arizona, Maricopa, Pinal county. I can do mobile signings. I Have been in the Mtg industry 20 years, Auditor, Notary, Post Closing Investor Liaison.

    1. Hi Jessica:

      I’m going to pass your contact information along to the right area. Thanks for reaching out!

  4. I am an experienced and professional Public Notary with eNotary and Signing Agent experience in the Charlotte/Concord NC Area and would like some information on becoming a signing agent for Quicken Loans.My contact Number is 980-777-3547
    Thank you!

    1. Hi Mag:

      I’m going to get this to our team. I’m also going to remove your phone number because this is a public comment section. Thanks!

  5. As with everyone before me, I am a notary, of 16 years, background checked, etc., in the Dallas Fort Worth area.

  6. Good evening,

    I am a commission Notary Public in CA & NV as well as a Certified Signing Agent with NNA. I have working relationships with agencies in the area and would love to work with Quicken loans. Can I get some more information to get started?

    Thank you~

  7. I serve King, Snohomish, Skagit, Whatcom, Kitsap and Island Counties in Washington State. NNA Certified, background checked, 4 years experience. I am signed up with Amrock already with a 100% rating. I will be able to do hybrid signings any day now, waiting for my new commission from the state. Any assistance in getting me in front of the correct people would be great. Thank you!

  8. I, too, am an NSA. I did many signings for Quicken Loans from 2004-2007. I would love to get started once again in Salem, Oregon. Thanks!

    1. Hi Karen:

      I’m going to get this over to the appropriate place and they’ll reach out about any potential openings in your area. Thanks for your interest!

    1. Hi Sergio:

      Areas of need are handled by another group, so I can’t give you specifics on the posting of assignments, but I’ll get this over to the correct business area. Thanks!

  9. I am an experienced (20 Year) Notary and am a certified NNA signer. Semi-retired Realtor.
    I am always looking for more signings. I am in Castle rock, CO. How can I get signed up with you?


  10. Hello! I am a Notary in Arizona and former Realtor. I am interested in learning more about working with Quicken Loans as a mobile notary. Thank you!

  11. Hello,

    I am a certified Signing Agent with NNA. I live in Illinois. Can I get additional information on how to start working with Quicken Loans?

    1. Hello
      I’m Public Notary in State of Oregon and also I’m NNA certified signing agent.
      Would be interested in getting information on how to get started with Quicken Loans as Signing agent ?


  12. I am a notary in Virginia and I already have E&O insurance. I am looking to be involved in your network, could you please forward my information.

  13. I’m a Commissioned Notary in the State Of Florida and NNA Certified Signing Agent serving Brevard County. I would love to be a party of your notary team. Can you pass my information to the right person.

  14. Hello, I’m a Commissioned Notary in the State Of Florida and NNA Certified Signing Agent serving Broward, Miami-Dade, and Palm Beach Counties. I am eager to work with you and/or your company on all of your notarial and signatory needs. It is always my goal to provide a pleasant and professional signing experience.

  15. Hello,

    I am a notary in Suffolk, Virginia. I would like to inquire how to become a part of the notary team. Can you please advise? I can be reached at ************. My own loan closing with Quicken Loan is tomorrow! 🙂

    1. Hey Terry:

      I’m going to go ahead and get this over to the appropriate people and then hide your phone number so you don’t get a bunch of calls out of the blue just in case. Congratulations on your closing today! We look forward to working with you and are always here to help!

  16. Hello,

    I am a mobile notary in New Jersey. I have closed hundreds of loans in this area. I would love to join your team of mobile notaries. Please pass my information along to your colleague. I can be reached at 908-731-2851 or Thanks, Michele Blackburne

  17. Hello,

    I am a certified Signing Agent with NNA. I am looking to work for Quicken loans. I live in New Mexico. Can I get some information so I can start working with Quicken Loans?

    Thank you~

    1. Sandy, what is your experience with notary in New Mexico, what area do you service and what is your average pay/hr? I am considering looking at this as contract work while I get other employment situated.

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