For title companies, lenders and signing services

Purchase signings: the buyer's loan package

Usually the largest package a signing agent handles, and the one the rest of the transaction is planned around. We schedule to the time your file needs and carry the originals back the way your funding requires.

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Matthew Coleman, New Jersey notary public and NNA Certified Loan Signing Agent, Cranford, NJ. Each order's price is shown before it is confirmed; approved accounts can be invoiced monthly.

What sits in a buyer package

The Closing Disclosure, the promissory note and the mortgage come first, followed by a long run of lender disclosures, the occupancy, name and compliance affidavits, tax and income forms and your title affidavits. Only some of those pages are notarized; the mortgage almost always is. Federal rules require the lender to make sure the borrower receives the Closing Disclosure at least three business days before consummation for most of these loans, so the appointment date is usually fixed well before the notary is booked. The notary does not check that timing; your file does.

What your order should tell us

Each buyer's name as it appears on the note and the vesting on the title commitment, so the notary can compare the ID before the signing starts.
Whether anyone is signing under a power of attorney, and whether the lender and underwriter have approved it. The attorney-in-fact signs with their own ID; see powers of attorney at a closing.
Whether the buyer is an LLC or a trust, and who signs for it (LLC buyers, trust buyers).
The meeting place: the buyers' home, their office, or your conference room if you want the notary to come to you.
The scanback deadline, and whether the originals must physically reach your office or the lender the same day.

At the table

IDs checked against the documents and the vesting; any spelling difference is raised with your closer before the first signature, not after.
The package is presented in the order you sent it. The notary names each document and shows where to sign, initial and date.
The mortgage and every page that needs an acknowledgment or a jurat is notarized and journaled.
A full page-by-page check before the notary leaves the table.

What the notary won't do

Explain closing costs, cash to close or any line of the Closing Disclosure. Those questions go to the lender or your closer.
Relay, confirm or discuss wire instructions. Buyers are told to call your office at a number they already have (wire fraud safety).
Hand over keys, collect funds or act as your settlement agent.

Getting the originals back in time

Purchase files often fund only after the lender has the signed set, so set a scanback deadline that leaves your reviewer time to clear conditions. When the paper has to be in your office the same day, add the courier: from $60, pickup or drop-off within 20 miles. Otherwise the originals ship overnight on your prepaid label, or we ship and bill the postage at cost, with the tracking number on the order.

Pricing basis

New Jersey loan signings start at $150, with printing and scanbacks included. Starting rates. Your exact price is quoted after we confirm a local notary/runner, before you pay. Accounts with an agreed price pay that price.
The notarial fee is capped by New Jersey ($25 for a financing) and listed on its own invoice line, separate from the signing service.
Courier of the originals: from $60 (pickup or drop-off within 20 miles).
A witness, when your lender or the property's state requires one: from $40 each, up to 2.
Accounts with steady volume can agree a flat price per order type; that price is set when you open the account, in writing, and then shows on every order in the portal.
Outside New Jersey, each file is quoted first and placed with a notary commissioned in the signer's state (loan signings in other states).

Coverage

In New Jersey we cover all 21 counties directly from Cranford in Union County. Elsewhere in the U.S. we work through a network of independent notaries commissioned in the signer's state: we confirm coverage before accepting, and an order outside New Jersey is confirmed only once a notary there accepts it. If a time or place can't be covered, we say so instead of taking the order.

Questions

Can the notary come to our office for the buyer signing?

Yes. Put your office as the meeting place on the order. The notary handles the signing and notarization; your closer handles the settlement.

One buyer is signing under a power of attorney. Do you need anything extra?

The original power of attorney or the copy your underwriter approved, and the attorney-in-fact's government photo ID. The notary checks the attorney-in-fact's identity; whether the POA is acceptable for the loan is the lender's and your decision.

Will the notary bring the buyer's checks or funds back to us?

No. We don't collect or carry closing funds. If a document must be returned with the package, list it in the return instructions.

What if the buyer's ID name doesn't match the documents?

The notary stops before the first signature and calls your closer. A name affidavit in the package may cover a minor difference; anything more is the lender's call.

More for closing offices

For your borrowers: What the buyer should expect at a purchase signing.

General information about how our desk works, not legal advice. The lender, underwriter and recording office decide what they accept. Updated November 2026.

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Tell us who you are and where you close. The desk reviews each request and replies by email to set up your account, your agreed pricing and your payment terms. Already approved? Sign in and place an order. Prefer to create the portal login yourself? Create a business account.

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