Remote online notarization for lenders
Close the loan
on the borrower's schedule.
Refinances, HELOCs, and purchase closings signed from the borrower's phone or laptop. Every borrower verifies their ID and signs with a commissioned online notary in one live session, and the sealed package comes back tied to the loan number.
Signed · sealed to post-closing27 Willow Bend Drive
Loan officer: R. Patel · 30-yr fixed
- Package sent
- 3 of 3 IDs verified
- In session
- Sealed to post-closing
Who pays for this one
Added to your monthly invoice as 4410‑2291 / Morales, ready to reconcile against the loan's closing costs.
A payment link goes out with the signing invite, and the borrower pays before the session. Nothing for your team to front.
Every borrower verified
ID analysis, KBA, and liveness per person
Full RON or hybrid
Match what your investor and county allow
Any device
Borrowers join from phone, tablet, or laptop
Sealed package
Tied to the loan number, ready for post-closing
§ 1 · How a loan closing runs
Send the package. Borrowers sign. Post-closing gets it sealed.
No couriered closing packages, no signing agent to book across town, no rate lock slipping because a borrower couldn't take the afternoon off.
Set up the closing
Upload the closing package, add borrowers and any non-borrowing spouse, and enter the loan number. Schedule one session or separate ones.
Every borrower verifies and signs
Each borrower passes ID checks on their own device, then signs with a commissioned online notary over recorded live video.
Sealed back to your team
Documents come back digitally sealed with the audit trail and recording, tied to the loan number and ready for post-closing and eRecording.
Your closing team sets it up.
Borrowers just open the invite and join.
Home equity, refi & servicing
The borrowers are home. So is the closing.
Refinance and HELOC borrowers rarely need a closing table. They review, verify, and sign from the couch, together or in separate sessions, and the loan funds on schedule.
- Refinances and cash-out refis
- HELOCs and home equity loans
- Loan modifications and assumptions for servicing
- Purchase closings alongside your title or settlement partner
HELOC · signed from home2 of 2 borrowers verified§ 2 · Billing
Billed by loan number, the way you already reconcile.
Choose per loan: roll it into your monthly invoice, tagged with the loan number, or send the borrower a payment link with the invite. Set a company default and override it on any closing.
Bill to the loan
- One monthly invoice, itemized loan by loan
- Every line carries the loan number and borrower
- CSV export for your LOS or accounting
- Ready to reconcile against closing costs
SAMPLE INVOICE · AMOUNTS ILLUSTRATIVE
Borrower pays directly
- A payment link travels with the signing invite
- The borrower pays before the session starts
- Nothing for your team to front or collect
RECEIPT · Paid by borrower
Online notarization$25.00
RefLoan modification
Balance to lender$0.00
§ 3 · Identity & compliance
Know every borrower is who they say they are.
Mortgage fraud starts with identity. Every borrower is checked, and every session leaves a record your QC team and investors can review.
Identity, checked three ways
ID document analysis, knowledge-based questions, and a selfie liveness check for each borrower.
Recorded on video
The full session, face and ID in frame, retained per state rules alongside the e-journal entry.
Tamper-evident seal
Each notarized PDF is digitally sealed, so any change after the session is detectable downstream.
Audit trail per loan
Timestamps, IP addresses, and identity outcomes for every borrower, exportable for QC and investor review.
- SOC 2-ALIGNED
- US-ONLY STORAGE
- SSO & ROLES
- MISMO COMPLIANT
Optional transaction insurance up to $1M.* *Limits and availability vary.
§ 4 · Notaries
Your closers can notarize. Or we can.
Keep closings with the closers and branch staff your borrowers know, send evening and out-of-state signings to our network, or run both from the same account.
Use your own notaries
Staff commissioned as online notaries run sessions under your company's account. Journals and recordings stay in your records.
Use Notaron's notaries
Overflow, evenings, or no RON-commissioned staff yet? Send the closing to our network and a commissioned notary takes it.
One dashboard for every loan
See each closing's status, who notarized it, and what's still waiting on a borrower.
§ 5 · White label
Your brand on every screen your customer sees.
Borrowers get invites, a signing session, and completion emails that look like they came from you, because they did. Your logo, your colors, your support line.
Hi Dana, your loan documents are ready. Verify your ID and join your online signing on Thursday at 6:00 PM.
Start my signingQuestions? Call Summit Ridge at (555) 010‑0142
You're all signed.
Your loan documents were notarized and sent to your loan team. Your loan officer will confirm funding.
closings@summitridgecu.example · (555) 010‑0142
Samples use a fictional lender, “Summit Ridge Credit Union,” to show where your branding appears.
What carries your brand
- Your logo and brand colors
- Your support email and phone
- Invites, reminders, and reschedules
- ID verification and the session
- Borrower dashboard
- Completion emails
Your own domain and sender address, like sign.summitridgecu.com
Or build it into your own portal
Create closings, invite borrowers, and get the sealed documents back from your own systems with the Notaron REST API and webhooks.
- APICreate the closing from the loan
- APIInvite borrowers in your branding
- WebhookSealed documents back to you
§ 6 · Loan documents
Everything in the loan package that needs a notary.
Lenders and servicers use Notaron for refinance, home equity, purchase, and servicing documents.
- Mortgages and deeds of trust — with every borrower verified, together or apart.
- Refinance packages — rate-and-term and cash-out, note to closing disclosure.
- HELOC and home equity documents — agreements, security instruments, and disclosures.
- Loan modifications — and assumptions, signed without a branch visit.
- Subordination agreements — when a second lien stays in place on a refinance.
- Powers of attorney — when a borrower can't attend, where your investor allows it.
- Occupancy and borrower affidavits — sworn statements from the loan package.
- Identity affidavits — “one and the same person” and signature affidavits.
§ 7 · Pricing
Priced per closing, quoted for your volume.
Your price depends on monthly loan volume and whether your notaries or ours run the signing. Tell us how you close and we'll quote it.
- Loan closings
- Quoted per closing
- Volume tiers
- 1–25 · 26–100 · 100+ a month
- Standalone notarizations
- From $25
- White label and branding
- Enterprise
Integrations
Connect your loan origination system to Notaron
Tell us which platform you use, and we'll contact you about integration options.
What your team gets
Every borrower verified, every session recorded, and a sealed package back to post-closing, without a courier or a closing table.
- Will investors accept RON closings?
- Fannie Mae and Freddie Mac accept eligible remote online notarizations subject to their requirements, and many other investors do too. Requirements vary by investor, state, and loan type, so confirm before closing; we can provide platform documentation for review.
- Will the county record it?
- Notarized documents come back as tamper-evident PDFs for eRecording in participating counties. Check a county with our eRecording eligibility tool.
- Can co-borrowers sign from different places?
- Yes. Each borrower, and a non-borrowing spouse where required, can join from their own phone or laptop, in one session or separate sessions.
- Do you support hybrid closings?
- Yes. Run full RON, or notarize some documents online while others are signed in ink, depending on what your investor and county require.
- Can our closers notarize?
- Yes, if they hold an online notary commission in their state. They run sessions under your company's account, and you can send overflow to Notaron's notaries.
- Can we use our own branding?
- Yes. White-label accounts put your logo, colors, and support contacts on invites, the signing session, and completion emails, and can run on your own domain and sender address.
- How are closings priced?
- Per closing, quoted on your monthly loan volume and whether your notaries or ours run the signing. Standalone notarizations start at $25.
Resources for lenders
Get your closing team ready for RON.
Close your next loan without the closing table.
Tell us your monthly loan volume and we'll quote it.