Before the appointment
Your lender or title company will usually send the closing figures before the signing. Read them, and call your loan officer about anything that doesn't match what you expected. The signing agent can't change numbers or explain loan terms, so questions about rates, fees or payments go to your lender.
Confirm the appointment time, the address, and that everyone who needs to sign will be there.
What to have ready
A current, unexpired government photo ID for every signer, such as a driver's license or passport. Bring the same name format that's on the loan documents if you can.
Any items your lender asked for, such as a cashier's check, a voided check for automatic payments, or proof of insurance.
A clear table and good light. The package can run more than 100 pages.
What happens at the signing
The signing agent checks each signer's ID, then goes through the documents in order, showing where to sign, initial and date. The agent can tell you what each document is called and its general purpose, but can't give legal or financial advice.
Take your time. You can read anything you want before signing. If you find a problem, the agent will stop and call the lender or title company so they can fix it.
Notarized pages
Some pages, such as the mortgage or deed of trust, are notarized. The agent watches you sign those pages and completes the notarial certificate. Your signature should match the name printed on the page.
After the signing
The agent checks every page for missed signatures and dates before leaving. Signed pages are often scanned back to the title company the same day, and the originals ship overnight with a tracking number.
For a refinance on your primary home, you may have a waiting period before the loan funds. Your lender will tell you the exact dates.
Common questions
Can my spouse sign for me?
Only if the lender has approved a power of attorney in advance. Check with your lender well before the signing.
How long does a loan signing take?
Usually 45 minutes to an hour, longer for purchases or when there are many signers.
This guide is general information, not legal advice. Fees and procedures change; check with the office involved or an attorney for your situation.