Can You Request Your Own Notary During a Loan Signing?
- Barbara Chery
- Aug 12, 2025
- 2 min read
When you’re buying a home, there are a lot of moving parts — from inspections and appraisals to the big day when you sign your closing documents. One key part of that process is the loan signing. Most people don’t think twice about whonotarizes those documents, but as a buyer, you may be wondering:
“Can I bring my own notary?”
The short answer: Yes — but there are a few things you need to know first.
How Loan Signings Usually Work
When you get to the closing stage, your lender or title company typically hires a notary signing agent they already work with. These are trusted professionals in their network who have been vetted for:
Active state notary commission
Experience with mortgage and real estate documents
A background check that meets industry requirements
Errors & omissions insurance
This makes things simple for them — and ensures the signing is completed correctly the first time.
Requesting Your Own Notary
If you already know and trust a notary, you can request to use them instead of the assigned one. However, there are a few steps:
Ask Early – The sooner you let your lender or title company know, the more likely they can approve it without delaying closing.
Provide Credentials – Your notary will likely need to submit proof of their commission, insurance, background check, and experience.
Expect Approval Requirements – The lender or title company has the final say. Even if your notary is qualified, they may decline if your choice doesn’t meet their internal standards.
Plan for Extra Costs – If your chosen notary charges more than their in-network option, you may be responsible for the difference.
What About Remote Online Notaries?
Some buyers prefer Remote Online Notarization (RON) for convenience. While this is legal in many states, not all lenders and title companies accept it yet. If you want a remote option, confirm this well before closing.
Why It Might Be Worth Requesting Your Own Notary
Comfort & Trust – Especially if this is your first home purchase, working with someone you know can give you peace of mind.
Flexibility – Your own notary might be able to meet on your schedule, even outside standard business hours.
Mobile Service – Some notaries (like me!) come to your location, so you can sign at home, work, or anywhere that’s convenient.
Final Tip for Buyers
You have the right to ask for a notary you’re comfortable with — just make sure you start the conversation early and understand the approval process. The goal is to make your closing smooth, accurate, and stress-free.
💼 Need a trusted mobile notary for your loan signing?I provide professional, reliable, and flexible notary services for real estate closings, wills, estates, and more — right at your location. Licensed, insured, and experienced in handling mortgage documents.
📞 Call or text: 561-318-2196🌐 Visit: SignedAndSold.com📍 Serving Palm Beach County and surrounding areas
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