You've locked in your rate, submitted piles of paperwork, and been "Cleared to Close." Now what? Here's exactly what happens at your refinance signing appointment with a mobile notary.
Congratulations! You've locked in your rate, submitted piles of pay stubs to the lender, and you've finally been "Cleared to Close."
The only thing standing between you and your new mortgage is the Signing Appointment.
For many homeowners, this part is a bit of a mystery. Do you go to a bank? A law firm? What happens if you have questions?
As a commissioned Loan Signing Agent, I guide homeowners through this process every week. Whether you're cashing out equity to pay off holiday bills or just lowering your monthly payment, here's exactly what you can expect when we meet to sign your papers.
Unlike when you bought your home, you typically do not need to go to a Title Company office for a refinance. In fact, most lenders prefer to send a Mobile Notary (that's me!) directly to you.
We can meet at your home, your office, or even a coffee shop. All we need is:
A refinance package can be 100+ pages long. While every page is important, there are three key documents you'll want to pay special attention to:
This is the receipt for your loan. It breaks down:
This is your "IOU." It's the legal promise that you will pay the money back. This document contains the terms of repayment, interest rate, and what happens if you default.
This is the document that puts the house up as collateral for the loan. This is what gets recorded with the County Recorder.
This document legally secures the lender's interest in your property
You will NOT receive your cash-out funds the day we sign!
If you're refinancing your primary residence, federal law gives you a "cooling-off" period. You have 3 business days after signing to change your mind and cancel the loan.
You will not receive your cash-out funds the day we sign
The lender cannot release the money until the 4th business day
Monday: We sign your documents
Tuesday, Wednesday, Thursday: Your rescission period
Friday: The loan funds!
As a Notary Signing Agent, I cannot explain "Why." I cannot tell you why your interest rate is X or why your closing costs are Y. I am strictly forbidden from giving financial or legal advice.
I'll check your government-issued ID to confirm you are who you say you are
I'll make sure you sign, date, and initial every document perfectly so the loan doesn't get rejected
I'll point out where your interest rate, payment amount, and other key terms are listed in the documents
Review your "Closing Disclosure" (CD) before our appointment. If you see a number you don't like, call your Loan Officer immediately.
Once I arrive, I can only witness your signature—I cannot change the numbers.
To make our appointment smooth, please have these ready:
A Driver's License or Passport.
If your license expired last week, we cannot proceed. Please check it today!
If your spouse is on the title, they likely need to be there, even if the loan is only in your name.
If you owe money to close, have your Cashier's Check or Wire Confirmation ready.
Refinancing should be a relief, not a stressor. By choosing a professional Mobile Notary, you ensure that your paperwork is handled correctly the first time, so your loan funds on schedule.
Mobile notary services save you time—we come to you
Review your Closing Disclosure before the appointment
Bring valid ID and have all signers present
Remember the 3-day rescission period for primary residences
American Notary Services specializes in error-free loan signings that happen on your schedule. We serve Utah County and Salt Lake County.