Loan Signings & Real Estate Closings

A loan signing is not a normal notarization. It is a hundred-page-plus package with a funding deadline attached, where one missing initial in the middle of the stack can delay a closing by a day and cost somebody real money. It has to be done in order, in full, and correctly the first time. That is the whole job.

Who hires us

• Title companies and escrow officers who need a signer covered on short notice, in a suburb their in-house notary cannot reach in time.
• Lenders and mortgage brokers closing a refinance where the borrower cannot come to the branch.
• Signing services placing DFW orders and needing a dependable local agent with a confirmed appointment and a clean return.
• Buyers, sellers and borrowers directly: you do not have to be a company to hire us. If your title company has told you to find your own mobile notary, this is that.

Packages we sign

• Purchase closings: buyer packages and seller packages, including split signings where the parties never meet.
• Refinances, including the owner-occupied packages with a rescission period, where the dates on every notice have to be right.
• Home equity loans and home equity lines of credit (HELOC), signed at the lender's, attorney's or title company's office, as Texas requires; see below.
• Reverse mortgages, which run long and need patience more than speed.
• Seller-only packages (deed, affidavits, closing statement) for sellers who have already moved out of state.
• Loan modifications and stand-alone deed signings.

What is a signing package?

A signing package is the set of documents a lender or title company prepares for a closing or a refinance: typically the promissory note, the deed of trust, the closing disclosure, and a series of affidavits and acknowledgments. The lender or title company writes it and decides what goes in it. Gwen's role is narrower: she checks each signer's identification, has each page signed, initialed and notarized as the instructions say, and returns the package the way the title company or lender directs. She does not explain loan terms. Questions about the loan go to the lender, the title officer or an attorney.

Texas does not require a separate state license or commission for this work: the Texas Secretary of State does not commission or register signing agents. Gwen signs under her Texas notary public commission.

Texas home equity loans close at an office, not at home

A home equity loan under Texas Constitution article XVI, § 50(a)(6) may be closed only at the office of the lender, an attorney or a title company. It cannot be signed at the borrower's home. For those closings, Gwen meets you at that office. Tell us when you book if your package is a Texas home equity loan, and we will confirm the address with the title company.

Exactly what happens

1. The order arrives. You send the package, the signer's contact details, the closing date and any funding cut-off.
2. We confirm the signer directly and set the appointment: home, office, title office, or a neutral location.
3. We print the package, letter and legal in the right trays: two sets when the instructions call for a borrower copy, which is left unsigned with the borrower. If you would rather ship the package, that works too; tell us before printing is done.
4. We sign in order. Every signature, every initial, every date. Gwen identifies each signer with an unexpired government photo ID, completes each notarial certificate, and seals it.
5. We do not explain the loan. We point to where a number appears on the page and tell the signer to call their loan officer or escrow officer for anything beyond that. This is the line that separates a competent signing agent from a liability.
6. Scan-backs where your instructions call for them, quoted first. Then we drop the finished package at FedEx or UPS using the prepaid label or airbill the title company, lender or signing service provides, and send you the tracking number.

What the signer needs

• An unexpired government photo ID for every person signing. Names must match the loan documents. If the package says "Robert" and the ID says "Bob," tell us in advance so escrow can correct it rather than discovering it at the table.
• Nothing signed ahead of time. The package gets signed in front of the notary, in sequence. Some pages must be signed in front of the notary, and nobody can always tell in advance which ones, so the safe rule is to wait.
• Any accompanying documents the lender or title company asked you to have at the table.
• A table, a lamp and roughly an hour of uninterrupted time. Reverse mortgage packages take longer.
• Anyone else who must sign, present at the same appointment, including a non-borrowing spouse where the package requires one.

What it costs

A loan signing is a flat $150 within 20 driving miles of Addison. That price includes:

• printing the package, including two sets when the instructions call for a borrower copy (the borrower copy is left unsigned with the borrower);
• the signing appointment;
• the notarizations in the package;
• dropping the finished package at FedEx or UPS, using the prepaid label or airbill the title company, lender or signing service provides.

We do not pay or front return postage. If no prepaid label or airbill is provided, the hiring company arranges and pays for the return before the appointment.

Scan-backs, evening appointments and distance beyond 20 miles are quoted before the appointment.

You get a written quote by email or text before the appointment is confirmed. Title companies, lenders and signing services are invoiced on their terms; individuals who hire us directly pay the service portion when booking and the State fees at the appointment.

State notarial fees are set by Texas Government Code § 406.024 and § 406.111. Travel and convenience fees are separate and are not notarial fees.

Where we sign

About 20 driving miles from Addison covers most of the North Dallas closing corridor: Carrollton, Richardson, Plano, Frisco, Farmers Branch, Coppell, Las Colinas and Irving, Lewisville, The Colony, Garland, University Park and Highland Park. Longer runs are quoted by distance. Ask, and you will get a number before you commit.

The limits, stated plainly

Gwen is a commissioned Texas notary public, not an attorney and not a loan officer. We notarize documents you provide; we do not prepare, draft, select or advise on documents, and we will never tell a borrower what a term of their loan means. She cannot give legal advice, cannot tell you which document you need, and cannot tell you how to fill out your paperwork or what to write in it. Questions about rate, payoff, escrow or cash to close go back to the lender or the title company, every time.

Book a signing

Send the closing date, the city and the package type, and we will confirm availability and quote it. For an urgent same-day order, see emergency and after-hours service; for ongoing volume, see business and corporate services. Place an order.