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 524 Comments

  1. I’m an experienced NNA signing agent in California. I’m interested in finding out how to become a signing agent for Quicken.

    Thank you,
    Kelly Beck

  2. I have been a notary signing agent since 2002. I have mainly performed notary closings for JMT Documents. I have also completed loan signings for Title Source. I have performed many closings for Quicken Loans since 2002.
    I have recently retired and now available 24/7 for closings. I am a Notary for the state of Alabama and resident of Mobile County, Alabama.
    I have contacted Amrock and JMT to submit the updated paperwork. It has been suggested that I also contact Quicken Loans to sign up.
    Thank you! Excited to be able to commit full time!
    Darleen Farnell-Hudson

      1. HI there,
        I am a NNA notary and signing agent and live in the South Florida area. I would like to apply to QL to become a signing agent to close loans. How can I apply?

  3. I am a signing agent in the state of Tennessee, I would like to become a signing agent for Quicken Loans. If you could assist with that I would appreciate it!

  4. I’m a notary in Arizona. I’m interested to know how I can become a signing agent for Quicken Loans. Thank you.

  5. I would like to become a Notary Loan Signing Agent, I have my notary and have been in the Real Estate, Title and Mortgage business for 37 years and would like to make this my new career, I live in Scottsdale, Az 85251.

  6. Hello.
    I am a certified NSA and reside in Atlanta, Ga. I am very interested in gaining information on how to join your team. Thank you.

  7. I’m in the tri-state area in the Northeast (NY/NJ/PA) and am a notary in New Jersey and also a realtor in NJ/NY. I plan to get NNA certified and would welcome any tips.

    1. Hi Felicita:

      I don’t know about tips as far as the and a certification, but I’m going to pass your contact info on. Have a great day!

  8. I’m an experienced NNA and LSS certified loan signing agent in Michigan. I’m interested in finding out how to become a signing agent for Quicken.

    Best regards,
    Diane Aksten

  9. I’m a notary and was wondering how I can become a signing agent for Quicken Loans?I reside in Northeast Arkansas. I am a current Notary. Thank you!

    1. Hi Sherry:

      I believe you commented earlier today on this post. We sent over your information to our Partners team and they should reach out to you soon. Thank you!

  10. Hello!
    I am an NNA Certified Loan Signing Agent and Mobile Notary with 14+ years experience in purchases, refinances, HELOCs, real estate contracts and closings, loan modifications, and various chattel and insurance documentation. Companies represented include: Wells Fargo Bank and Home Mortgage, RE/MAX, Palm Harbor Homes, American General Finance and Insurance, Springleaf Financial, OneMain Financial, Countryplace Mortgage, Merit Life and many more. I am looking to expand this area of my business in Northeast Alabama an would love to hear from you!

  11. I am a notary in the State of Arkansas. Looking to broaden my horizons within this field. Can you provide me with more information? Thank you!

  12. Hello there!

    Awesome article! I’m an experienced Signing Agent in the booming Las Vegas market and would like to know how I can obtain business with Quicken Loans. Any suggestions would be great. I have experience with refi’s, purchases, seller’s packages and more.

    Thanks in advance!

  13. Hi!
    I am a Certified Signing Agent located in the Tampa area, would love to know if there are any openings with QL,
    Thank you!
    Melanie Grenier

  14. Hi,

    I just came across this article while browsing online. Thank you for educating on what a NSA does and how essential our roles are in the closing process. I am a NSA in the Greater Philadelphia Area and I would love to work with Quicken Loans! Please advise on who to contact to build a partnership.
    Thanks!!

  15. I’m a professional loan signing agent in the Mid-Michigan area, growing my business. I’m now working for title companies and would love to add Quicken Loans to my portfolio. How can I perform QL closings for this area? Thank you for your time and attention.

  16. Hello,

    I am notary in the state of Florida and was wondering how I can become a signing agent.

    Thank you.
    Misty Dessus

  17. Hello I am notary signing agent in west Central Florida and would like to know how get on board and do signings for Quicken? Thank you very much.

  18. Hi, thanks for the informative article. I am in California, would love to be a Notary/Loan Signing Agent for QL. I would appreciate your input, thank you.

    1. Hi Jesus:

      I’m going to make sure to get this over to our team. They’ll reach out and see if we have a need in your area.

      Thanks,
      Kevin

  19. How would I go about to become a loan closer/notary for your company? I currently work for a real estate law firm in Kentucky. I am a Kentucky notary and I notarize and close loans all the time. I am looking to make extra money on the side.

    1. Hi Christy:

      I’m going to get this to our partner management team and if we have openings in your area, someone will reach out. Thank you very much!

      Kevin Graham

  20. Hello,

    I live in North West North Dakota, am a notary and have worked with Quicken in the past (in Wyoming) as a signing agent and am interested in possibly doing that again. I would appreciate if you would pass my email along to the right person/department. Thank you.

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