A loan signing is one of the most important steps in the home buying or refinancing process. Understanding what to expect can help make the experience smooth and stress-free.
What is a Loan Signing?
A loan signing is the final step in obtaining a mortgage. During this appointment, you'll sign all the legal documents required to close your loan. A certified loan signing agent (notary) will guide you through each document and notarize your signatures.
Documents You'll Sign
During a typical loan signing, you'll encounter these documents:
- Promissory Note: Your promise to repay the loan
- Deed of Trust/Mortgage: Secures the loan with your property
- Closing Disclosure: Details all costs and terms of your loan
- Right to Cancel: For refinances, gives you 3 days to cancel
- Various Affidavits: Statements confirming your information
How to Prepare
To ensure a smooth loan signing:
- Bring valid, government-issued photo ID
- Review the Closing Disclosure ahead of time
- Prepare any required funds (cashier's check or wire transfer)
- Have your glasses if you need them for reading
- Allow 45-60 minutes for the appointment
What to Expect
Your loan signing agent will:
- Verify your identity
- Explain each document (though not provide legal advice)
- Show you where to sign and initial
- Notarize required documents
- Return completed documents to the title company
BLL Notary Services specializes in loan signings. Our certified signing agents make the process easy and convenient with mobile services at your preferred location.