Loan Signing Notary Services — Sacramento

NNA-certified, background-screened loan signing agents serving the entire 916 area code. We handle purchase closings, refinances, HELOCs, reverse mortgages, and seller packages from every major lender, title company, and signing service. Flat $150 per signing, including printing and scan-back.

Loan types we handle

• Purchase closings — conventional, FHA, VA, USDA, jumbo
• Refinance & rate-and-term — conventional, FHA streamline, VA IRRRL
• HELOC (home equity line of credit) — rescission acknowledgments included
• Reverse mortgage (HECM) — FAR, Liberty, Mutual of Omaha, Longbridge
• Seller packages — grant deed, sellers' disclosures, 1099-S
• Loan modifications — trial-period and permanent modification documents
• Construction loan draws — periodic disbursement acknowledgments
• Commercial real estate — full commercial loan packages (priced separately)

What you should expect at a loan signing

Most residential loan packages are 100–180 pages. The structure is consistent across lenders:

1. Borrower identification. The notary verifies your government-issued photo ID and records your ID details in the notary journal (per California Government Code §8206).
2. The note. Your promise to repay. Single signature, dated.
3. Deed of Trust / Security Instrument. The lender's interest in your property. Notarized acknowledgment, full legal description attached.
4. Closing Disclosure (CD) walkthrough. The TRID-required disclosure of every fee, payment, and cash-to-close detail. We walk through every line so you know what you're signing.
5. Riders and addenda. Adjustable-rate rider, condo rider, second-home rider, biweekly payment rider, etc.
6. Right-of-rescission notice (refis only). Your right to cancel within 3 business days. Two copies, both dated by you.
7. Compliance and fraud-prevention attestations. First-time homebuyer affidavit, occupancy affidavit, errors & omissions agreement, etc.
8. Final review. We page through together to catch any missed signatures or initials.
9. Scan-back & FedEx. We scan the executed package to the lender same-day, then drop the originals to FedEx or the title company's preferred carrier.

What you'll need to have ready

• Government-issued photo ID for every borrower on title (driver license, passport, or military ID; not expired more than 5 years)
• The wire-transfer confirmation or cashier's check for cash-to-close (purchase only)
• A quiet, well-lit space — kitchen table, dining room, or office. We bring our own pen.
• Anyone else on title physically present (a co-borrower on the East Coast must arrange a separate notary for their copy)
• An hour to ninety minutes of uninterrupted time

NNA certification & background screening

Every signing agent on our roster maintains a current National Notary Association (NNA) Notary Signing Agent (NSA) certification and an annual background screening through NotaryCam or a comparable provider. This is the credentialing standard required by most title companies and signing services. We also carry $100,000 E&O insurance per agent, well above the industry-standard $25,000.

Lenders & signing services we work with

We're paneled or set up with: Snapdocs, NotaryGo, Coast2Coast, NotaryDash, Sign on the X, Settlement Services Network, First American Title, Fidelity National Title, Old Republic, Stewart Title, Chicago Title, Placer Title, North American Title, and most major direct-lender platforms (Better, Rocket Mortgage, LoanDepot, Movement, AmeriSave, NewRez).

Common questions about loan signings