What's notarized in a Purchase Loan

The dream of owning a home is within reach for many Americans, thanks to programs like the Federal Housing Administration (FHA). They are held responsible by HUD, also known as the United States Department of Housing and Urban Development. FHA loans provide a pathway to homeownership, particularly for first-time buyers and those with low-to-moderate income(s). As you embark on this exciting journey of purchasing a new home, it's crucial to understand the role of a Notary Signing Agent (N.S.A.). Here are common documents in a mortgage closing with the label "(applicable)" if the document needs to be notarized by the N.S.A., "(if applicable)" if the document may not need to be notarized by the N.S.A., and "(not applicable)" if the document is not typically notarized by the N.S.A.

Applicable:

Deed of Trust (also known as the Mortgage or Security Instrument)

Affidavit of Occupancy

Signature Affidavit

Promissory Note

Name Affidavit

Homestead Affidavit

Correction Agreement

Certificate of Satisfaction

Compliance Agreement

Power of Attorney

Not Applicable:

Uniform Residential Loan Application (also known as Form 1003)

Loan Estimate (LE)

Closing Disclosure (CD)

Truth in Lending Act (TILA) Disclosure

FHA Amendatory Clause

Home Inspection Report

To simply state the role of an N.S.A. in two sentences, please read the following. Notary Signing Agents are there on behalf of the title or loan officer (known as the N.S.A. client) to oversee the signing process, verify the identities of the signers (known as the N.S.A. principals), and confirm that the documents are executed correctly, whether they require notarization. They may offer other services to support the client (e.g. scanbacks, mailing signed documents, collecting supporting documents, etc...).  ALWAYS check with the lender, title company, or closing agent for specific instructions related to the signing order. They know you haven't been with them through the whole process and have often times written clear instructions to follow for you to follow.

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