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How to Become a Notary Loan Signing Agent

Updated on January 20, 2014

How to Become a Notary Loan Signing Agent--The Fast Way & The Right Way

When I desperately needed a job I discovered I could become a Notary Loan Signing Agent. This was the answer for me at a difficult time, and it can be the answer for many others who are out of work or underemployed.

A Notary Loan Signing Agent is a Notary who conducts the signing of loan closing papers, notarizing those of the documents requiring notarization. They are often Mobile Notaries, based out of their homes, who are sent to the borrower's home or office with the loan papers. The Notary must know enough about the loan papers to explain what they are without offering any legal or professional advice.

You don't need a degree to become a Notary Public or loan signing agent, and training only takes a few hours. I've told my story below, and included links to all the details you need to get started today.

Photos on this article: Files of Nancy Oram

Notary Loan Signing Agent Comprehensive Certification Course & Reference Manual - Including Over 50 Sample Loan Documents & Final Exam

My course has now been published and is available on Amazon! I wrote this course after training many Notaries to qualify for the higher commissions by becoming loan signing agents. All my training information is in this one manual.

How I became a Signing Agent and Started a New Career

Within nine months I purchased a car and a house.

About six years ago my son-in-law was working for a major lender and told me I ought to become a signing agent. I had no idea what one was. He told me they were paid $150 per signing, which took less than an hour. I was already working from home as a legal transcriber, so it sounded like a good add-on and I listened to him. He told me basically all I needed to do was become a Notary Public and then start notarizing loan packages, and the sooner I did, the sooner I could start making money. I had no idea what a loan package involved.

The first step was to become a Notary for the State of California. That took about three weeks, from signing up for a class (which you can just take online now), to receiving my commission and official stamp. During that time my son-in-law kept asking if I had my commission yet. I kept thinking of all the assignments I would get through him :).

Okay, so now that I was legally authorized to notarize documents, my son-in-law changed jobs and was no longer positioned to give me work. However, soon after that he was at a title company to sign his own closing papers on a house, and he recommended me to the title officer. "Do you need signing agents? My mother-in-law does that." Well, they needed me the next morning. "Thanks, Carlos (I think)!" I had yet to do my first notarization, let alone a loan package. HELP!

"Okay, Carlos, how do I do this?!" He brought over his own papers, and we did pretend signings for about an hour. Next morning I had my first assignment. It took one and one-half hours. If I had known what I was doing, that signing would have taken me twenty minutes.

I'm telling you my own story so you can see how fast you can get started. I had a lot to learn, and fortunately that title officer was willing to check my work for awhile to save us both disaster. Since I had no background whatsoever in the industry, I took a class for signing agents as soon as I could locate one. I also asked lots of questions, and absorbed all I could from people I met in the industry. I was in business!

I don't recommend doing it this way. I made lots of mistakes that other title companies would not have tolerated.

Once I felt confident in what I was doing, I loved it. I did signings at title companies inhouse when they were swamped, and I was sent out to homes and offices for people who wanted to sign at their convenience. I started in October, and in January I was able to buy a car that was better suited to my new mobile business. At the end of May we moved out of our rented duplex and into a new home.

In the last six years I've taught many other Notaries how to do what I do, but through good training from the start.

And while it's true I made much more than I had ever made before, and with just part-time hours, it's also true that there are dips in business that you need to plan for ahead of time by having another source of income, as I do, or by saving from the good months for a rainy day.

The Best Way to Become a Notary Signing Agent

Get Your Training and Confidence From the Start

The best way to become a signing agent is to:

1. Become a Notary Public in your state.

2. Take a course to become a signing agent.

Here are some important facts most people don't know:

Not all states allow Notaries Public to do loan signings. There are a few states where signing agents must be attorneys. Before you start training for this career, make sure it's legal in your state.

You don't have to be a certified loan signing agent to notarize loan documents. You don't even have to be trained, as illustrated by how I started out. But you do have to be a commissioned Notary Public.

It can sound confusing, but think of it this way: Notaries Public are commissioned by their state to notarize documents. They can choose to notarize loan packages. In order to do this, title companies would like you to know what you're doing, so it's good to take a class. When you take a class, you may receive a certificate stating that you have satisfactorily completed the course. Then you are a Notary Public who is also a certified loan signing agent.

Many course vendors would like you to think you MUST take a course, preferably theirs, and that you MUST be certified as well. They usually charge more for a test and certification. In all my years of performing signings, not one title officer has asked for proof of certification, or even if I had taken a course. But they did expect me to know what I was doing, and to do it professionally.

Six years ago the industry was CRAZY BUSY, which is probably why I was able to come in inexperienced and untrained. So what's happened since that time? It slowed down, the signing agents, especially the poor ones, have jumped ship and moved on. The good ones have stayed on with steady assignments and good, loyal clients.

The industry is getting hot again, and there's always room for good Notary Signing Agents. That could be you!

More Notary Essentials

Photos used with permission are credited in individual modules. Every other photo on this lens resides in original form in my personal collection.

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    • Nancy S Oram profile image
      Author

      Nancy Oram 3 years ago

      @roger-stephens-927: My book has a dialog of what to say while presenting each document to be signed.

    • profile image

      roger-stephens-927 3 years ago

      Well that was a great bit of information. I am currently getting my notary commission from the State of Texas. I have taken the NNA Mobile Signing Agent course and passed the exam. I so need to get started making money. I've set up my office at home, bought a new laser printer and everything else I need. I am so affread of making a mistake on my first closing. I don't really know exactly hat needs to be signes by whom and where. Am I being to scared? I have to make this work. Thanks

      rl.stephens@att.net Help!

    • flinnie lm profile image

      Gloria Freeman 3 years ago from Alabama USA

      Great info about notaries and signing agents. Thanks for sharing.

    • opatoday profile image

      opatoday 4 years ago

      Great info Thank you

    • profile image

      anonymous 4 years ago

      @anonymous: Please , I am interested , how do I apply.

    • uneasywriter lm profile image

      uneasywriter lm 4 years ago

      Interesting and definitely profitable work! Thanks!

    • profile image

      ClaudiaWest 4 years ago

      What an interesting lens! I didn't know anything about notaries or signing agents. Thanks for sharing your story.

    • tonybonura profile image

      Tony Bonura 4 years ago from Tickfaw, Louisiana

      I would love doing this, but I'm pretty sure that in Louisiana you have to be an attorney.

      TonyB

    • scrapquilter profile image

      Myreda Johnson 4 years ago from Ohio USA

      I am so glad I discovered this lens. This would be perfect for me. Thanks so much for honest detailed information.

    • profile image

      anonymous 4 years ago

      International Soft Loan Inc.

      Hello Loan Seekers,

      Kindly Apply for your non collateral Loan.

      No processing fees /charges is needed.

      We are also in need of Loan Agents and Brokers.

      Kindly confirm if you are interested.

      Thanks

      Manfred.

      E-mail: isl.loan2012@gmail.com

    • casquid profile image

      casquid 5 years ago

      I could do that! I used to be an apartment manager for 14 years. Other assignments as well. I enjoy sitting in conversation with interesting people. We sign papers as we go along. Now retired. I could set my own pace with this! Thanks!!

    • profile image

      anonymous 5 years ago

      please i need more information, i want to become car agent.

    • badaniels profile image

      badaniels 5 years ago

      I enjoyed this lens very much. I am a manufactured house salesman and I often deal with loan signing agents. I am a notary myself and have thought about giving it a try.

    • profile image

      anonymous 5 years ago

      Very interesting and information. I have never considered becoming a notary signing agent before, but you have given me plenty of food for thought. Thank you!

    • profile image

      CPDInteractive 5 years ago

      Wow!

      I like your lens, very useful and inspiring. thank you.

    • profile image

      moonlitta 6 years ago

      ...and I don't even know how it's done in my own country, but the excitement of starting something new, I love this feeling:)

    • profile image

      yourgoldenfuture 6 years ago

      very different system then in Germany...notaries need long studies at the university ...

    • profile image

      CrystalGillis 6 years ago

      Very informative, thank you!

    • profile image

      anonymous 8 years ago

      Great info on your website. Very impressive.

      http://www.signingagentonthego.com

    • SusannaDuffy profile image

      Susanna Duffy 8 years ago from Melbourne Australia

      Good lens and an excellent companion to your How to become a Notary Public

    • TonyPayne profile image

      Tony Payne 9 years ago from Southampton, UK

      Nice job on this lens, sounds like with the right contacts that being a notary is a great source of income. I would love to be able to work my own hours. 5*****

    • RuthCoffee profile image

      RuthCoffee 9 years ago

      Nice job with this lens. I had considered doing this in the past but never followed up...maybe this will be the kick in the pants I need.

    • profile image

      richgerman 9 years ago

      yeah i do agree to you ronpass, great Nancy!

    • ronpass lm profile image

      ronpass lm 9 years ago

      Nancy - great lens about a technical area - the personal story certainly helps.

    • KimGiancaterino profile image

      KimGiancaterino 9 years ago

      I'm a notary, loan signing specialist as well (also in California). I can relate to your experience with your first signing. Mine took awhile too. Great information!

    • profile image

      RedByron 9 years ago

      Very interesting lense, Nancy. There's some good food for thought in it.

    • Nancy S Oram profile image
      Author

      Nancy Oram 9 years ago

      JD, I should probably add to my lens and elaborate on your question. Some of the activity today is a fallout from the kinds of loans I was notarizing six years ago. Everyone is refinancing those loans, and we're gearing up for what's coming. But like I mentioned in the lens, a lot of the agents left and never renewed their commissions, leaving it wide open for new Notary signing agents. ~Nancy

    • profile image

      anonymous 9 years ago

      Hi Nancy, You have some very good information about becoming a notary. Before reading this, I didn't really know there was a difference between being a notary and a loan signing agent. With all the activity in the mortgage market there will probably be lots of refinancing in the near future. Would that be an opportunity for notary loan signing agents? Act on your dream! JD

    • Nancy S Oram profile image
      Author

      Nancy Oram 9 years ago

      Thank you. My first comment!

    • profile image

      BeccaFletcher 9 years ago

      Great lens! I've often thought about doing just this!