Loan Signing Services
As a certified Loan Signing Agent, we provide accurate, timely, and secure signing services for a wide range of real estate transactions. Whether you are purchasing a new home, refinancing, or completing a commercial loan, we ensure every document is executed with precision and professionalism.
Below is an overview of the loan signings I specialize in:
1. Refinance
A refinance allows a homeowner to replace their current mortgage with a new loan, typically for a lower interest rate, better loan terms, or cash-out options. These signings are straightforward and follow a familiar structure, including the Closing Disclosure, Promissory Note, Deed of Trust/Mortgage, and lender-required disclosures.
We guide borrowers through each document, verify identity, and ensure all signatures and notarizations are completed properly.
2. Purchase
A purchase signing takes place when a homebuyer borrows money to buy a property. Purchase packages are similar to refinances because both involve loan agreements, but they relate specifically to new homeownership.
We coordinate with buyers and title companies to ensure a smooth, organized closing and return all documents promptly for final processing.
3. Seller Package
Seller packages involve paperwork for homeowners selling their property. These packages are typically 20-30 pages and often require notarizing key documents such as the deed or affidavit of title.
These signings are quick, efficient, and handled with the same care and accuracy as larger loan packages.
4. HELOC (Home Equity Line of Credit)
A HELOC gives homeowners access to funds by borrowing against their home equity. These loans often have variable interest rates and may include several disclosures and specific lender forms.
We walk borrowers through the credit line documents, confirm all signatures, and ensure every form is returned correctly to prevent delays.
5. Reverse Mortgage
A reverse mortgage is available to homeowners aged 62 or older, allowing them to convert home equity into cash without monthly mortgage payments.
Reverse mortgage packages can exceed 200 pages and include two notes, two deeds, and extensive disclosures. These appointments require patience, clarity, and professionalism, especially when working with senior clients who appreciate a slower, more supportive signing pace.
6. Buyer Closing Packages
Buyer Closing Packages contain all the documents a new homeowner must sign during the closing process. These typically include:
- Closing Disclosure (CD)
- Promissory Note
- Deed of Trust / Mortgage
- Escrow disclosures
- Compliance forms
- Title company documents
- Right-to-Cancel notices (if applicable)
We ensure all signatures and notarizations are completed accurately while maintaining a calm, organized, and stress-free environment for buyers.
7. Loan Modifications
A Loan Modification adjusts the terms of an existing mortgage to help a homeowner maintain affordable payments. Changes may include a reduced interest rate, new payment schedule, or extended loan duration.
Modification packages include updated notes, agreements, and compliance forms. We verify identity, oversee signatures, notarize required documents, and return all paperwork promptly to meet lender deadlines.
8. Commercial Real Estate Loans
Commercial real estate loans involve financing for business properties such as offices, retail spaces, warehouses, and investment units. These packages often require:
- Corporate or LLC authorization documents
- Commercial loan agreements
- Promissory notes
- Personal and business guarantees
- Title and escrow forms
Because these signings may involve multiple signers or business representatives, we ensure all documents are executed correctly, including title capacities such as “Member,” “Manager,” or “Authorized Representative.”
Professional, Confidential, and Reliable Service
No matter the type of loan, we ensure:
- Accurate signatures
- Proper notarizations
- Professional presentation
- Secure handling of sensitive documents
- Prompt return of completed packages
Your closing is completed with thorough attention to detail and the highest regard for confidentiality.
