Real-estate transactions are complex. We created this guide to help explain which transactions can be completed via Notarize & which can't.
Quick Reference Guide
Below are common situations. See if you can complete your transaction via Notarize
👍You've received a transaction invite from firstname.lastname@example.org -YES, we can notarize this!
❓You're the seller of property. -Likely. Please contact your title agency or lender.
❓You're the buyer in a cash purchase transaction. - Likely. Please contact your title agency or lender.
👎 You're the borrower in a purchase transaction with a mortgage -No, not unless you've received word from your lender or title agent that you'll be closing your loan online
❓You are completing a Home Equity Line of Credit (HELOC) transaction. - Likely. Please contact your title agency or lender.
❓You are completing refinance (Refi) transaction. - Likely. Please contact your title agency or lender.
What about POAs and Deeds?
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 five minutes. Click on the link in the email and you'll be on your way to completing your transaction!
POAs: No matter 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:
- Most real estate transactions must be set up through your lender or title company in order to close online 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.
- Deeds and POAs can typically be completed via Notarize without involving your lender or title company. Please follow the instructions in the "What about POAs and Deeds?" section above.
- Our support team may ask you to provide the property address. This is necessary in order to see if your county allows for e-recording of real-estate related documents. This 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 reach out to establish a relationship with them in order for you to complete your transaction via Notarize. We are not able to guarantee that this will be the outcome in all cases.
- If you were previously using a title agency that does not yet offer electronic notarization or is unwilling to adopt this convenient, secure technology, we can provide you with a list of title agencies we currently work with in your region if available.
- 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.
- If you reach out to email@example.com or chat with us by clicking on the chat icon in the lower right corner of most screen's we'd be happy to help work through your unique situation.