The three models
A traditional closing is entirely on paper, signed in ink before a notary. A hybrid closing has some documents signed electronically and others, often the note and security instrument, signed on paper. A full e-closing has everything signed electronically, including the note.
Have a closing coming up? The closing package (signing, scanbacks and courier).
Which model you get depends on the lender, investor and the county's recording capability.
Where remote notarization fits
Remote online notarization lets a notary witness signing over audio and video, with identity checks and a recorded session. Whether a lender accepts it for the security instrument depends on its policy and on whether the county accepts electronic recording of the result.
In New Jersey the notary must be physically in the state while performing the act. Rules for signers' location vary by law.
What the borrower does
Expect an email invitation, an identity process that may include answering questions about your history and scanning your ID, and a video session. You may e-sign disclosures in advance. Have a quiet room, a charged device and a stable internet connection.
If a paper step remains, a signing agent may bring that set to you.
Why some pieces stay on paper
Investors who buy loans, and counties that record deeds, may not accept every digital format. A lender may also choose paper for the note to simplify transfer. This is a business decision, not a sign something is wrong.
Ask the lender which documents will be signed in which format.
Staying safe online
Confirm the invitation came from your title company or lender by phone. Avoid clicking links in unsolicited messages. Never share your ID or one-time codes with someone who contacts you outside the scheduled process. Keep copies of the final signed documents, and ask where the electronic originals are stored. Note that MCC Solutions provides notarial services only, and the lender or title office runs the platform.
A sample hybrid timeline and questions to ask your lender
Days before closing, you e-sign several disclosures and consents from your phone. On closing day, a signing agent brings the paper note and mortgage for ink signatures and notarization. Afterward, the lender combines both sets and records what the county accepts.
If the county takes e-recordings, the deed may be filed electronically. If not, the title company prints and sends the paper.
Which documents will be on paper and which electronic? Is remote online notarization allowed for my loan? Will I be able to download copies of everything I e-signed? Who holds the electronic note? Knowing the answers keeps closing day free of surprises.
Keep your expectations realistic about speed. Digital steps can shorten the time between signing and funding, but a human reviewer still checks the file, and recording may still depend on a county. If your closing date is tight, ask the lender how the process is expected to unfold, and what you should do if the video session or the identity check fails on the first attempt.
Common questions
Is an e-closing legally valid?
Electronic signatures and notarizations are recognized under federal and state law when rules are followed. Lenders set their own policies.
Do I need special equipment?
Usually a computer or smartphone with a camera, microphone and internet, plus your ID.
Can the notary help me use the platform?
They can guide you through their own steps. Technical support comes from the platform.
More notary guides
- How to Prepare Clients for a Remote Online Notarization
- Remote Online Notarization: Equipment and Internet Needs
- Remote Notarization Recordings and Record Retention
This guide is general information, not legal advice. Fees and procedures change; check with the office involved or an attorney for your situation.