Notaron

Notaron does not provide legal advice. Requirements vary by state and receiving party — consult an attorney for jurisdiction-specific guidance.

Notarizing Mortgage & Closing Documents Online

Yes — mortgages, deeds of trust, refinance packages, and seller documents can be notarized by remote online notarization. Fannie Mae and Freddie Mac both accept RON-notarized closing documents, and in counties that accept e-recording, the entire closing can stay digital from signing to recording.

What you'll need

  • Acknowledgment of the mortgage or deed of trust before a notary
  • Government-issued photo ID for each signer, verified during the session
  • Lender/title approval of the RON workflow (most major investors and underwriters accept it)
  • County recording of the security instrument — electronic where the county supports it

Which closing documents get notarized?

The security instrument (mortgage or deed of trust) is always acknowledged before a notary, and closings commonly notarize the deed, owner's and lender's affidavits, subordination agreements, and powers of attorney used at closing. The note itself is typically signed but not notarized. Your lender or title company will flag exactly which documents in the package require notarization.

Lender and investor acceptance

Fannie Mae and Freddie Mac accept remote online notarization for loan documents in states with RON laws, and most major title underwriters insure RON closings. If a lender participates in a fully digital workflow, an eNote plus RON plus county e-recording produces a closing with no paper at any step. Where the county still requires paper recording, the RON-notarized documents are simply printed and submitted traditionally.

Recording the security instrument

The mortgage or deed of trust must be recorded in the county where the property is located. Most counties accept electronic recording, which is what makes same-day close-and-record possible. Look up your county's status in our e-recording directory before scheduling the closing.

How to notarize a mortgage & closing documents online

  1. 1Coordinate with your lender or title company to confirm RON is approved for the file
  2. 2Upload the closing package documents that require notarization
  3. 3All signers verify identity and meet the notary on secure video
  4. 4Sign during the recorded session, then download and deliver the notarized package for recording

Recording it after notarization

This document type is recorded with the county where the property is located. Most counties accept electronic recording, so the notarized document can be submitted digitally the same day. Check your county's e-recording status →

Can you notarize a mortgage & closing documents online in your state?

Yes — in every state. 45 states have enacted their own remote online notarization (RON) laws, and residents of the remaining states can legally notarize online with a commissioned notary in a RON-authorized state; the notarization is valid nationwide under interstate recognition rules. Select your state for its specific requirements.

AlabamaValid via out-of-state notaryAlaskaRON authorized since 2021ArizonaRON authorized since 2020ArkansasRON authorized since 2020CaliforniaLaw pending — valid via out-of-state notaryColoradoRON authorized since 2020ConnecticutRON authorized since 2023DelawareLaw pending — valid via out-of-state notaryDistrict of ColumbiaRON authorized since 2023FloridaRON authorized since 2020GeorgiaValid via out-of-state notaryHawaiiRON authorized since 2024IdahoRON authorized since 2020IllinoisRON authorized since 2022IndianaRON authorized since 2019IowaRON authorized since 2020KansasRON authorized since 2021KentuckyRON authorized since 2020LouisianaRON authorized since 2022MaineRON authorized since 2023MarylandRON authorized since 2020MassachusettsRON authorized since 2023MichiganRON authorized since 2019MinnesotaRON authorized since 2019MississippiLaw pending — valid via out-of-state notaryMissouriRON authorized since 2020MontanaRON authorized since 2019NebraskaRON authorized since 2020NevadaRON authorized since 2019New HampshireRON authorized since 2022New JerseyRON authorized since 2022New MexicoRON authorized since 2021New YorkRON authorized since 2023North CarolinaRON authorized since 2023North DakotaRON authorized since 2019OhioRON authorized since 2019OklahomaRON authorized since 2020OregonRON authorized since 2022PennsylvaniaRON authorized since 2020Rhode IslandRON authorized since 2023South CarolinaValid via out-of-state notarySouth DakotaRON authorized since 2020TennesseeRON authorized since 2019TexasRON authorized since 2018UtahRON authorized since 2019VermontRON authorized since 2022VirginiaRON authorized since 2012WashingtonRON authorized since 2020West VirginiaRON authorized since 2021WisconsinRON authorized since 2020WyomingRON authorized since 2021

Frequently asked questions

Do lenders accept remotely notarized closing documents?
Yes, broadly. Fannie Mae and Freddie Mac both accept RON for loan documents executed under state RON law, and most national title underwriters insure remote closings. Individual lenders still choose whether to offer it on a given file, so confirm with your lender or closing agent.
Can the deed and mortgage be recorded after an online closing?
Yes. A RON acknowledgment is legally equivalent to an in-person one, and county recorders accept it. In the majority of counties, the documents can also be submitted electronically for same-day recording — check your county in our e-recording directory.
Can multiple signers in different locations join one closing?
Yes. Remote closings routinely bring together buyers, sellers, and co-signers from different cities in one recorded video session, with each signer's identity verified individually.

Free related templates

Need to create a document from scratch? These free templates can be filled out, downloaded, and notarized in one flow:

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