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Getting Documents Notarized
What you need to know
Having a document notarized is a straightforward process for the most part. You bring the notary the document, he or she verifies your identity, and then the notary watches as you sign it.
To ensure the process goes as planned, though, you’ll need to bring a few basic items to the signing.
Here’s how you get a document notarized and what you need to bring:
- Have an acceptable form of identification.
- Fill out and bring the document that needs to be signed.
- Be ready with payment for notary fees.
- Ensure all parties involved in the signing are present.
And that’s it.
Keep in mind, one of the primary duties of a notary public is to verify the signer’s identity to prevent fraud and forgeries. This is particularly important for sensitive financial documents like grants and wills.
And the only way to do that is to require a certified form of identification as a part of the notarization process.
That’s why it’s essential to bring your ID with you – and to make sure your notary will accept it.
And to make things a bit more complicated, acceptable forms of identification for notaries varies depending on the notary’s state of commission.
As a general rule, your ID should have certain common elements:
- Your photo
- The issuing authority
- Your Signature
- A description of your person (e.g. weight, hair, eyes, sex, etc.)
Acceptable forms of I.D. are as listed below:
- State-issued driver’s license
- State-issued identification card
- U.S. military identification card
- Resident alien identification card (green card)
- U.S. passport
What Happens on Closing Day?
What To Bring To A Home Loan Closing
On closing day, the ownership of the property is transferred to you, the buyer. This day consists of transferring funds from escrow, providing mortgage and title fees, and updating the deed of the house to your name. Basically, come closing day, you and the seller sign all the necessary papers to officially seal the deal. This process can take anywhere from 45 to 60 minutes.
Legally, you should receive your closing documents three business days before closing. Make sure you read them prior to closing day so you understand what you’re signing and check that there are no errors. Take notes if you have questions or concerns — you SHOULD address them with your ATTORNEY, CLOSING AGENT, LENDER or MORTGAGE BROKER before closing day.
Bring all necessary paperwork with you to closing to make sure nothing is missing, different or overlooked.
- You’ll need to bring a government-issued identification for the title company.
- You’ll pay your closing costs with a certified check or a wire transfer from escrow.
- Lenders require an insurance policy before closing. Reach out to your agent to get your new homeowners insurance in place.
