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.

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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

Coordinate with your lender or title company to confirm RON is approved for the file

Upload the closing package documents that require notarization

All signers verify identity and meet the notary on secure video

Sign 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?

Remote online notarization is authorized in 45 states, and a notarization performed under a state’s RON law is generally recognized in the others — so signers in states without their own RON statute can usually still notarize online with a commissioned notary elsewhere. Whether this document is eligible, and whether it needs witnesses, depends on your state and on the party who will accept it. Select your state for its specific rules.

Alabama Valid via out-of-state notaryAlaska RON authorized since 2021Arizona RON authorized since 2020Arkansas RON authorized since 2020California Law pending — valid via out-of-state notaryColorado RON authorized since 2020Connecticut RON authorized since 2023Delaware Law pending — valid via out-of-state notaryDistrict of Columbia RON authorized since 2023Florida RON authorized since 2020Georgia Valid via out-of-state notaryHawaii RON authorized since 2024Idaho RON authorized since 2020Illinois RON authorized since 2022Indiana RON authorized since 2019Iowa RON authorized since 2020Kansas RON authorized since 2021Kentucky RON authorized since 2020Louisiana RON authorized since 2022Maine RON authorized since 2023Maryland RON authorized since 2020Massachusetts RON authorized since 2023Michigan RON authorized since 2019Minnesota RON authorized since 2019Mississippi Law pending — valid via out-of-state notaryMissouri RON authorized since 2020Montana RON authorized since 2019Nebraska RON authorized since 2020Nevada RON authorized since 2019New Hampshire RON authorized since 2022New Jersey RON authorized since 2022New Mexico RON authorized since 2021New York RON authorized since 2023North Carolina RON authorized since 2023North Dakota RON authorized since 2019Ohio RON authorized since 2019Oklahoma RON authorized since 2020Oregon RON authorized since 2022Pennsylvania RON authorized since 2020Rhode Island RON authorized since 2023South Carolina Valid via out-of-state notarySouth Dakota RON authorized since 2020Tennessee RON authorized since 2019Texas RON authorized since 2018Utah RON authorized since 2019Vermont RON authorized since 2022Virginia RON authorized since 2012Washington RON authorized since 2020West Virginia RON authorized since 2021Wisconsin RON authorized since 2020Wyoming RON authorized since 2021

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.

Weighing up providers? We put our pricing beside the other major platforms — including where they come out cheaper — in what online notarization actually costs.

Free related templates

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

Power of AttorneySpecial Power of Attorney

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