Find a Loan Signing Agent Near You

What Is a Loan Signing Agent?

A loan signing agent (also called a notary signing agent) is a notary public who has received additional training to handle mortgage loan closings and other real estate financing transactions. They meet with borrowers — often at the borrower's home or office — to walk them through the loan document package, witness signatures, notarize required documents, and ensure that every page is signed, dated, and initialed correctly. They then return the completed package to the title company, escrow officer, or lender. Signing agents are the last step before a loan funds, making accuracy and attention to detail essential.

When Do You Need a Loan Signing Agent?

• You are closing on a home purchase or refinance
• You are signing a home equity line of credit (HELOC)
• You are executing a reverse mortgage
• A title company or lender has assigned a mobile closing
• You need a closing outside of normal business hours or at a location other than a title office

How Much Does a Loan Signing Agent Cost?

Loan signing agents are typically paid by the title company, escrow company, or signing service — not by the borrower. Fees range from $75 to $200 per appointment depending on the complexity of the loan package, location, and urgency. Refinances tend to be on the lower end, while purchase closings and reverse mortgages command higher fees. The borrower should not need to pay the signing agent directly in most cases.

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Benefits of Using a Loan Signing Agent

• Expert knowledge of mortgage and loan documents
• Ensures all documents are signed correctly, reducing delays
• Available for mobile closings at your home or office
• Trained to explain (but not provide legal advice on) each document
• Helps prevent costly errors that could delay loan funding
• Often available for evening and weekend closings