Loan Signings Without the Drama.

Loan Types We Sign

• Residential refinances — conventional, FHA, VA, jumbo
• Purchase closings — buyer-side signings (where seller-only signing is needed)
• HELOC and second mortgages — including stand-alone HELOC closings
• Reverse mortgages (HECM) — additional time and care for senior signers
• Loan modifications — TPP, permanent modifications
• Construction draws and seller financing — non-standard packages on request

The Mobile Mark Loan Signing Process

1. Confirm the package. Title company sends documents 24–48 hours in advance. We pre-flight every page for signature and notary blocks before the appointment.
2. Schedule the signing. Direct coordination with the borrower, including evening and weekend availability.
3. Execute on-site or via RON. Identity verification, signature flow, and notary seals applied per Florida standards. Borrower questions about signature locations are answered; legal questions are referred to the lender or attorney.
4. Scan-back and return. Same-day or next-day scan-back to title; original package shipped per lender instructions with tracking.
5. Audit trail retained. Notary journal entry plus, for RON, 10-year session recording per §117.245, F.S.

RON Loan Signings — Where Florida Stands

Florida has authorized RON for real estate transactions since 2020, and most national lenders now accept RON for refinances, HELOCs, and many purchase scenarios. Confirm with your lender before scheduling:

• Some loans (especially purchase closings with seller present) still require in-person signing per the lender or county recorder
• RON real estate closings are particularly efficient for out-of-state borrowers buying or refinancing Florida property
• The closing must comply with both Florida RON rules and the receiving county recorder's requirements for electronic recording

What to Expect at the Signing

1. Allow 60–90 minutes for a refinance package, 90–120 for a purchase
2. Bring two government-issued photo IDs (one is required, second is best practice)
3. Bring a check if cash to close is required (or confirm wire instructions in advance)
4. Have the borrower-payable items (homeowners insurance binder, etc.) confirmed before the signing
5. Ensure all titled parties are present and able to sign

Pricing

Loan signings are priced per the title company or lender contract. Direct-to-consumer signings are quoted based on package size, location, and timing. Per-signature fees within the package are bundled into the signing fee.