What Is a Notary Signing Agent?

If you've ever closed on a home or refinanced a mortgage, you've likely worked with a Notary Signing Agent - even if you didn't realize it. But what exactly is a Notary Signing Agent, and how are they different from a standard notary?

Let's break it down in plain terms.

A notary public is a state-commissioned official who witnesses signatures, administers oaths, and certifies documents. Their main job is to verify who you are and make sure documents are signed properly.

A Notary Signing Agent (NSA) is a notary who has received additional training specifically for loan and real estate documents. They're equipped to handle the large, detailed document packages that come with mortgage closings, refinances, and other real estate transactions.

The short version: all Notary Signing Agents are notaries, but not all notaries are Notary Signing Agents.

An NSA acts as the neutral third party who guides you through signing your loan documents. Their job includes:

• Presenting documents in a clear, organized way
• Showing you exactly where to sign, initial, and date
• Verifying your identity with a government-issued photo ID
• Notarizing the documents that require it
• Returning the completed package to the title company or lender

An NSA does not give legal or financial advice - their role is to make sure everything is signed correctly and completely.

Not every notary who handles loan signings has formal training. A certified NSA has completed coursework covering:

• Mortgage and real estate terms explained in plain language
• Common loan document types (the promissory note, deed of trust, closing disclosure, and others)
• How to properly notarize multi-document packages
• Requirements set by lenders and title companies

At Mali + Co. Notary, our Notary Signing Agent certification is through the National Notary Association (NNA) - the leading professional organization in the industry. We're also background screened and insured, which most title companies and lenders require.

You'll typically work with an NSA when:

• Buying a home - signing the closing package at the end of your transaction
• Refinancing your mortgage - reviewing and signing updated loan terms
• Taking out a home equity loan - accessing the equity in your property
• Getting a reverse mortgage - a specialized transaction with its own document set

In many cases, your title company or lender will arrange for an NSA to come to you.

A typical loan signing takes 45 minutes to an hour. Here's what happens:

1. The NSA arrives with your document package (or you receive it digitally in advance)
2. Your identity is verified with a government-issued photo ID
3. The NSA walks you through each document and shows you where to sign
4. You sign; the NSA notarizes the applicable documents
5. The completed package is returned to the title company or lender

It's a straightforward process - and with an experienced NSA, it's a smooth one.

Mali + Co. Notary provides professional loan signing services throughout Virginia. We work with title companies, lenders, real estate attorneys, and individual clients to make every closing go smoothly.

Book your signing appointment today - we'll come to you.