Services

Loan Signings

I'm an NNA-certified signing agent, background-screened annually, and I sign purchase, refinance, HELOC, and reverse-mortgage packages. A signing can be scheduled by the escrow officer, a signing service, your realtor, or you directly.

Loan packages I sign

• Purchase — conventional, FHA, VA, jumbo. First-time buyers, second homes, investment properties.
• Refinance — both rate-and-term and cash-out. Rescission-period rules apply on owner-occupied refis.
• HELOC and home-equity loans — second liens, often with separate notarial requirements.
• Reverse mortgage — borrower-counseling certificates, longer signings, more careful pace.

How a typical signing goes

The escrow officer or signing service sends me the package ahead of time. I print it, flag the pages that need notarizing, and confirm the meeting place and time with the borrower.

At the signing I lay the package out so the borrower can see it, point out the three or four pages that almost always raise questions — the right of rescission notice, the closing disclosure, the note, and the deed of trust — and let the signer read at their own pace. I'll explain what's a notary question (identity, willingness, capacity) versus what's a loan question (rates, terms, escrow figures) so we both stay in our lanes; for loan questions the borrower should call the escrow officer, not me.

Plan on about an hour for a typical refinance; purchases and reverse mortgages often take longer. Before I leave, I triple-check every signature and initial, because a missed initial is the most common reason a package comes back. Then the package goes back to escrow the way their instructions specify.

What to have ready

• Current government photo ID for every borrower (driver's license, state ID, US or USCIS-stamped foreign passport).
• The closing disclosure — escrow should have sent it 3+ business days before signing on most consumer loans.
• A clean, well-lit signing surface and uninterrupted time. A dining table works better than a coffee-shop booth.
• Both borrowers present from the start if it's a joint application — having one show up partway through delays the package.

Working with escrow officers and lenders

Escrow officers and signing services can email me the package; I print it and bring it to the borrower. If a notarial certificate doesn't match California's required wording, I'll attach a California acknowledgment or jurat as a loose certificate so the deed records cleanly. That's a common fix that saves an extra signing. Realtors also book me directly when a client needs a signing fast.

Fees and travel

California caps the notary fee itself at $15 per signature. Loan-signing agents bill a separate signing fee that includes printing, travel, the signing itself, and document return. I quote the fee up front so escrow can approve it before the appointment, and you'll know the full price.

Credentials

NNA Certified Signing Agent · CA Commission #2348546 · Background screened annually with the NNA · References from escrow officers available on request.

Where I do loan signings

I sign loan packages throughout the South Bay, including Sunnyvale, Mountain View, Campbell, Cupertino, Santa Clara, Milpitas, and south to Morgan Hill and Gilroy.