What Is a Notary Signing Agent and What Do We Do?

A Notary Signing Agent (NSA) is an integral part of the residential or commercial property selling and buying process.

Nearly every time a person closes on a mortgage when buying a home, a NSA is there at that final step ensuring the loan documents are completed correctly by the signer. NSA’s are also important for cash transactions.

Who Hires a Notary Signing Agent?

Usually, the mortgage company, title company, or escrow company either hires the NSA directly, or they go through a signing service which will find the NSA for you. Once in a while, private parties will seek out NSA for their transactions, particularly if it is completed in cash.

What Notary Signing Agents Do?

Like a Notary Public, Notary Signing Agents ensure that the signers are signing willingly, and verify the signers identification.

Unlike a Notary Public, a Notary Signing Agent has to handle documents with between 40 to 200 pages. Additionally, NSA’s complete the following steps:

  • Arrive with at least two copies of all documents

  • Ensure that all documents are in a language that can be read and understood by the signer, or can be sufficiently translated to the signer by a third party

  • Make sure that all documents are signed and initialed in all the necessary places

  • Notarize the document and record notarization in log

  • Ensure the documents are quickly returned to the correct company in a timely manner

  • Leave one set of unsigned documents with the signer, explaining their final copy will be sent to them after the loan is recorded by the mortgage company

NSA’s notarize documents for the following types of loans:

  • Refinance

  • Purchase

  • Home Equity Line of Credit (HELOC)

  • Cash Real Estate Transactions and Seller Only Packages

  • Loan Modifications

  • Commercial Loans

  • Reverse Mortgages

These are not all of the loan types, but represent the most common transactions that require notarized signatures.

Because these transactions represent not only 100s of thousands of dollars, but millions, it is imperative that you hire a fully trained and insured NSA. You don’t want to lose a mortgage rate or a sale that can cost you a lot of money because your NSA did not notarize properly.