A Mortgage Notary Signing Agent is a state commissioned Notary Public that specializes in witnessing and notarizing the signatures of interested parties named in real estate loan transactions. Notary Signing agents are also certified to facilitate mortgage closings.

 

They play a vital role in the loan signing process ensuring the execution of loan documents are correct and notarized where applicable.  This critical step ensures the readiness of the loan for closing and ultimately funding.  

 

Lenders who offer correspondent loans across the country rely heavily on competent Mortgage Notary Signing Agents to oversee the signing and notarizing portions of real estate loan transaction in a professional, reliable, and accurate manner.  

 

Lenders and real estate professionals hire Certified Signing Agents that are background screened insured and bonded.  This due diligence protects all parties involved.  Notary Signing Agents are competent, professional, and able to perform these vital duties in an accurate reliable manner - they are the face of the lender.

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Pledge of Ethical Practice

 

DISCLAIMER –  I am not an attorney licensed to practice law in the state of Florida, and I may not give legal advice or accept fees for legal advice.

 

I am not an attorney and therefore, by law, I cannot explain or interpret the contents of any document for you.  Florida law prohibits me from instructing you on how to complete a document or advise you on signing a particular document.  By doing so, I would be engaging in the unauthorized practice of law.  Any important questions regarding your document or what type of notarial act are required should be addressed to the issuing/receiving agency or an attorney.

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What is Notary?

 

A Notary is a person of integrity, appointed by the Secretary of State to verify the identity of document signers.  A Notary also performs copy certifications and administers oaths and affirmations.

 

What is a Notarization?

 

A notarization is a certificate filled out by the Notary, certifying certain facts about the signer and document. The Notary does not verify the accuracy or validity of the document.

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What to Bring

 

Proper identification is required for any notarial service that requires verification of signature.  The State of Florida recognizes the following types of identification as valid:

 

**All documents listed must be  issued within the last 5 years and be unexpired to be valid**

• Florida Driver License

• State ID Card or (non-driver’s) issued by another state

• A United States passport

• US Military identification card (must include signature)

• Foreign passport, if stamped by U.S. Citizenship and Immigration Services (USCIS)

• Green Card, Permanent residence/Alien Card (only for documents related to USCIS–e.g., Affidavit of Support)

• Florida State, County, or City ID card (with photo, serial no., signature, and issue and/or expiration date)

 

Alternative Identification

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If you are unable to provide one of these ID cards, you may  be identified based on the oath or affirmation of credible identifying witness who is able to produce a form of acceptable identification.  Credible Identifying witnesses must have personal knowledge of your identity, believe it is not reasonable for you to obtain the approved ID, and be honest, aware, and impartial.

 

Which notary act is right for me?

 

When the notarial wording is not found on the document you need notarized or the document is not accompanied by a notarial certificate, the signer should seek the assistance of the receiving agency as to what type of notarization is needed.  Florida Notaries are forbidden to provide this information to the signer as this can be construed as legal advice.  The signer may also seek advice from an attorney or choose they can choose the type of notarial act  the deem appropriate.

 

(For signatures, choices include an acknowledgement, which proves you signed the document or a Jurat the signer swears/affirms what they signed is true.)