Loan Signing Agent Career Info

A Loan Signing Agent (LSA) is also referred to as a Notary Loan Signing Agent. They are certified loan signing agents who assist borrowers in closing loans. They specialize in the notarization of the real estate and loan documents or agreements. They are helpful to borrowers who reside outside the closing agent's area or for those that cannot be available during normal work hours. They gather all the documents related to the loan and facilitate the process of closing the loan agreement after obtaining the necessary signatures. They can work for real estate,escrow, title companies or mortgages companies.


  • Collect the information to be verified by the employer or from homeowner or homebuyer.
  • Verify their identity of the borrowers and witness the signing of the documents.
  • If the borrower lives outside of normal driving range then arrange for the dispatching of the documents to be signed by them through the proper channels.

Educational and Other Requirements

The first and foremost step is to become a notary public at the state level. The details for becoming a notary public can be obtained from the Secretary of State's office. But the general requirements are very simple. Most of them require:

Persons who has attained 18 years of age

  • Resident of the state for a certain period of time,every state is different, check with the Secretary of State for your state's requirements.
  • Ability to read and write in English fluently.
  • No criminal convictions.
  • Obtain training and certification in loan closures through an accredited notary association, the most notable association is the National Notary Association.

The Work Environment

LSAs are employed by mortgage organizations, escrow companies, title companies and signing services. Though they are employed by these organizations, they are neutral agents. This means they should not protect only the interest of the money lender but also of the borrower. Currently, there are independent signing agents working as mobile agents.

LSAs are strictly bound by the civil laws. Being a notary signing agent does not allow one to answer any questions at the signing meeting. If one answers a question pertaining to the loan or the process, it is considered a violation and deemed as an unauthorized Practice of Law (UPL). Only licensed attorneys can answer such legal questions.

A notary's basic function is to ensure the signatures are received from the appropriate party. They are required to verify two forms of identification and verify the signatures match.


Notaries are paid for each signing they complete once the loan is closed. The normal rate paid for an experienced LSA is $125 per signing, whereas an inexperienced LSA can charge $75 per signing session. If they can witness, or attend five signings per day, their income will be high. However, the work for a notary tends to be sporadic. Depending on who they work with, their workload and experience. When rates are low and the economy is healthy, more people refinance making a LSA in high demand at those times. However, when the market is bad, their workload is severely impacted.