Real estate transactions in California involve a significant number of documents that require notarization. Whether you're buying, selling, or refinancing a home in the Bay Area, understanding the notarization process helps your closing go smoothly.
What Is a Loan Signing Agent?
A loan signing agent (LSA) is a notary public who has received specialized training in mortgage and real estate loan documents. They are hired by title companies, escrow companies, and lenders to facilitate the signing and notarization of loan closing packages at the borrower's location.
Our notaries are trained loan signing agents certified through recognized national programs.
Documents Commonly Notarized in Real Estate Transactions
Refinance Documents
- Note (Promissory Note)
- Deed of Trust
- Right of Rescission Notice
- Truth in Lending Statement
- HUD-1 / Closing Disclosure
- Various affidavits and certifications
Purchase Documents
- Grant Deed
- Deed of Trust
- Vesting Affidavit
- FIRPTA Affidavit
- Name Affidavit
Property Transfer Documents
- Grant Deed
- Quitclaim Deed
- Interspousal Transfer Deed
- Trustee's Deed
The Loan Signing Process: What to Expect
- Your escrow or title company contacts us to schedule the signing at your location
- The loan document package is sent to us electronically
- We review the package and contact you to confirm the appointment
- At your appointment, we guide you through each document, explain what you're signing, and collect your signatures and notarizations
- We return the completed package to the title/escrow company
- Once the lender reviews and approves the package, funding and recording can proceed
How Long Does a Loan Signing Take?
- Refinance: Typically 45–75 minutes
- Purchase (buyer): 60–90 minutes
- Purchase (seller): 20–30 minutes
Tips for a Smooth Signing
- Have your government-issued photo ID ready
- Review your Closing Disclosure before the appointment so you understand your numbers
- Ensure all borrowers on the loan are present at the signing
- Clear a table or flat surface for document signing
- If you have questions about the terms of your loan, contact your lender before the signing — we cannot provide legal or financial advice
Who Pays the Loan Signing Agent?
In most Bay Area real estate transactions, the loan signing agent fee is paid by the escrow or title company — not directly by you. The fee is typically included in your closing costs. If you're scheduling a signing independently (for a deed transfer, for example), we will quote you directly.
Need a Notary in the Bay Area?
Our team is available 7 days a week. Same-day appointments available throughout the Bay Area.