--- title: "What to Bring to a Loan Signing: Checklist | MCC Solutions" description: "ID, pen, funds and questions: how to prepare for a mortgage, refinance or HELOC signing at home." url: "https://mcc-solutionsnj.com/notary/guides/what-to-bring-to-a-loan-signing" --- Guide · Updated October 2, 2026 # What to bring to your loan signing (and what to expect) A mobile loan signing usually takes about an hour at your kitchen table. Being ready makes it go smoothly and keeps your closing on schedule. By [Matthew Coleman](/about), MCC Solutions **Quick answer.** Before a mobile loan signing, read the closing figures your lender or title company sent and call your loan officer about anything that does not match what you expected. The signing agent cannot change numbers or explain loan terms, so questions about rates, fees or payments go to your lender. Need this notarized? Sign online from home with no travel fee, or ask for a notary to come to you. The price is shown and confirmed before any work starts, and you can book in about two minutes. [See your price and book](/notary/#order)[Call (908) 444-6373](tel:9084446373) **Related:** [Who can witness a signing](/notary/guides/who-can-and-cannot-be-a-witness-to-a-signing) · [How much a NJ notary can charge](/notary/guides/how-much-does-a-notary-cost-in-new-jersey) · [What ID you need for a notary](/notary/guides/what-id-do-you-need-for-a-notary) **Free tools:** [Printable notary journal template](/notary/notary-journal-template) · [Does my document need a notary?](/notary/does-my-document-need-a-notary) ✓ New Jersey commissioned notary, no. 50244803, insured for errors and omissions. [See the credentials](/about/credentials) ## 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. Have a closing coming up? [The closing package (signing, scanbacks and courier)](/notary/packages/closing-package). 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. ## Checklist before you book Valid photo ID for every signer. A pen. Any requested funds in the form instructed. The loan contact's phone number. Time to read each page and ask questions. ## 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. ## More notary guides - [Notary vs. loan signing agent: what is the difference?](/notary/guides/notary-vs-loan-signing-agent) - [Purchase Mortgage Signing: What Happens at the Table](/notary/guides/purchase-mortgage-signing-step-by-step) - [Refinance Signing: Your Three-Day Right to Cancel](/notary/guides/refinance-signing-and-right-of-rescission) This guide is general information, not legal advice. Fees and procedures change; check with the office involved or an attorney for your situation. Let us handle it [### Loan Signing Agents Certified loan signing agents for purchase, refinance, HELOC and reverse mortgage closings across New Jersey. Evening and weekend signings, scanbacks tracked. Loan signing agent →](/notary/loan-signing-agent)[### Mobile Printing & Scanbacks Document printing and scan service for New Jersey loan signings and notary visits: your notary prints the package, the signer signs, and signed pages are scanned back the same day. Printing & scanbacks →](/notary/print-and-scan)[### Private & Investor Loan Signings Signing agents for hard money, fix-and-flip, DSCR rental and business-purpose loans across NJ. LLC and guarantor signings, evening closings, fast scanbacks. Private lender signings →](/notary/private-lender-signings)[All guides](/notary/guides) Reach notaries, signing agents and people getting documents notarized or apostilled who read this guide: [advertise here](/advertise#notary). Do it yourself ### Loan Signing Cheat Sheet Know what you are looking at in a loan package, where the borrower signs, and why the right-to-cancel dates matter, without ever explaining loan terms. [See what's inside ($19)](/toolkits/loan-signing-cheat-sheet) [Free sample](/toolkits/loan-signing-cheat-sheet#free-starter)14-day full refund ## Rather have us handle it? Call the desk. [Book Now](/notary/#order)[Call (908) 444-6373](tel:+19084446373)