Choosing a Loan Signing Agent
Buying a home can be an exciting time, but it can also be incredibly stressful, especially if you’re not sure how to go about finding the right Notary Signing Agent. There are many different options available to you as a borrower, and each option has its own pros and cons. By choosing the right Notary Signing Agent, you can ensure that your closing will go as smoothly as possible, without any hiccups or delays, which could cost you extra money down the line if you end up needing to wait longer than expected before moving into your new home.
Things To Know Before Hiring A Notary
Knowing what to look for in an experienced notary signing agent can help you save money, time and potential headaches down the road. While there are many great signing agents out there, some are better than others.
Here are some of things to consider when choosing a notary:
Make sure they have experience as a loan signing agent. While there are many great signing agents out there, some are better than others. In general, those who have been around for awhile tend to be more reputable and reliable.
Also make sure they’re licensed by your state’s Secretary of State. All states require notaries public to be licensed in order to work on real estate transactions. If you have any doubt about their license status or history, don’t hire them. If possible, look up reviews from previous clients. Like most service providers nowadays, most notaries offer reviews from past clients via social media sites like Facebook or Google. If you’re lucky enough to find one with a long list of positive reviews from former customers that’s a good sign they do good work and will deliver excellent service when it comes time for them to help you.
What Is The Difference Between A Signing Agent & A Notary?
The primary distinction between these two is where they conduct their business. A signing agent works on behalf of buyers and sellers to ensure that all legal documents related to buying and selling real estate are properly executed. A notary public, on the other hand, ensures that any and all parties involved in a transaction sign and/or acknowledge legal documents with their official seal and signature. In other words, if your transaction involves signatures from everyone who has an interest in it, you may want to hire a signing agent rather than a notary public. This way everything can be formalized at once rather than waiting for each party to come back later for separate acknowledgements or signings.
Who Will Be Closing My Mortgage Loan?
If you’re buying your home, there are several things to consider when searching for a title company. The best way to determine if your loan is ready to close on time or within 30-60 days (depending on when you want to close) is by reaching out to local loan signing agents (LSA). Loan Signing Agent's can help explain how closing process works and how they can help you choose your loan closing agent, who will be tasked with completing all of your documents accurately before handing them off to closing agents at your title company. Contact us today! A Loan Signing Agent isn’t just responsible for making sure that your mortgage paperwork has been properly filled out; he or she also acts as an expert witness during your signing ceremony. Once everything is signed, sealed and delivered—literally—your Loan Signing Agent will be asked to testify about everything that happened during your signing session.
When Can I Close On My Home Purchase?
There are several things that must happen before you can close on your home purchase. In some cases, you will not be able to close at all until certain events have taken place. If you don’t allow enough time for these events, your purchase could fall through and leave you stuck with additional expenses. When should I expect to close on my new home? Why does it take so long?
Before hiring a Loan Signing Agent, make sure they have experience as a closer. What is Closing?: Closing is one of those terms from real estate that comes from yesteryear when homes were bought and sold as they were being built. The way we buy homes now has changed, but we still talk about closing as if it means something. Closings today consist of three parts: funding (the point where cash changes hands), recording (the point where title transfers) and escrow services (keeping track of transactions). Escrow companies or Title Insurance companies handle many home closings, usually for large purchases such as mortgage loans secured by multiple properties or loans guaranteed by government-sponsored entities like Fannie Mae or Freddie Mac. That’s why most home buyers do not have a choice regarding which company their loan closes through – it is dictated by their lender.
However, if you choose to use an independent Loan Signing Agent rather than working directly with either your lender or an escrow/title company, there may be more flexibility in who handles your closing services. Instead of needing to go through a lender or escrow agent, you might find that another option is more appealing. For example, say you’re buying a home privately and using seller financing instead of borrowing money from someone else.
When Do I Need A Notary Public?
In most states, you will need a notary public that is certified as a Loan Signing Agent if you’re buying or selling real estate. A Loan Signing Agent may also be needed to verify signatures on legal documents and to authenticate affidavits, but it all depends on your jurisdiction. In any case, your loan officer should be able to tell you whether a notary is required for your transaction. You can also ask your title company; some even employ their own in-house signing agents. Even if they don’t, they can point you in the right direction...just make sure you check their references before handing over any money!
Are you closing on a property in the United States? Head over to our booking page and schedule your appointment today!
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