This guide explains which real estate transactions a buyer, seller, lender, borrower, or title agent can be completed via Notarize and which can't. Information on Home Equity Line of Credit (HELOC) transactions, refinance (Refi) transactions, deeds, and POAs can be found here.
Quick Reference Guide
Most real estate transactions must be set up through your lender or title company in order to close using Notarize. This is because there are various technical and legal arrangements that must be in place prior to closing your transaction online. Feel free to let your title company or lender know that you'd like to use Notarize to close online.
Below are common situations. See if you can complete your transaction via Notarize.
|You...||Can you use Notarize?|
|Received a transaction invite from firstname.lastname@example.org.||YES, we can notarize this!|
|Are the seller of property.||Likely. Please contact your title agency or lender.|
|Are the buyer in a cash purchase transaction.||Likely. Please contact your title agency or lender.|
|Are the borrower in a purchase transaction with a mortgage.||Only if you've received word from your lender or title agent that you'll be closing your loan online.|
|Are completing a Home Equity Line of Credit (HELOC) transaction.||Likely. Please contact your title agency or lender.|
|Are completing refinance (Refi) transaction.||Likely. Please contact your title agency or lender.|
Power Of Attorneys and Deeds
Deeds and POAs can typically be completed via Notarize without involving your lender or title company.
Deeds: To set up a transaction for your deed and supporting documents, please attach your document to the form found here. After filling out your information and submitting the form, you'll receive an email within 5 minutes. Click on the link in the email and you'll be on your way to completing your transaction!
Power Of Attorney: If you are submitting your real estate-related POA to your title agent, mortgage broker, realtor, or the county, we recommend you confirm with the intended recipient that they will accept electronically signed and notarized documents.
Things to Note
- Our support team may ask you to provide the property address. This is necessary to see if your county allows e-recording of real estate-related documents and can also be useful for looking up eligible title agencies if necessary.
- If you provide the support team with the contact information of your loan officer or title agent, our real estate team may be able to establish a relationship with them for you to complete your transaction via Notarize. We are not able to guarantee that this will be the outcome in all cases.
- In some states and counties, the title agency is decided by the buyer, in others, it may be decided by the seller. You don't have to go with the title agency recommended by your realtor in all cases.
- You may be able to do a "Split Closing" where the buyer and the seller use different title agencies. This may be more costly and is not an option in all cases so please check with your realtor or a legal professional.
Still have questions you can't find answers to? Click the chat icon in the corner of your screen to start a chat with us or send us an email at email@example.com!
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