Short Answer
A notary is a state-commissioned official who verifies your identity and witnesses your signature on important legal documents. At closing, you will sign multiple documents that require notarization, including the deed, mortgage, and promissory note. The notary confirms you are who you say you are, that you are signing voluntarily, and that the document is properly executed. This prevents fraud and ensures the documents are legally valid and recordable.
Notarization is a critical step in the closing process. The notary's role is to prevent fraud by verifying the identity of each person signing. At closing, you will be asked to present a valid government-issued photo ID, such as a driver's license or passport. The notary will check that the ID matches your name and appearance. You will then sign the documents in the notary's presence. The notary will complete a notarial certificate on each document, including the date, the notary's signature, and their official seal or stamp. Documents that require notarization at closing typically include the deed, which transfers ownership, the mortgage or deed of trust, which secures the loan, the promissory note, your promise to repay, and various affidavits and disclosures. In New Jersey, closings are often conducted by attorneys who are also notaries, so the notary is typically present at the closing table. Remote online notarization is becoming available in some states, allowing you to notarize documents via video conference. New Jersey has adopted remote notarization, which can be convenient if you cannot attend closing in person.
Bob's Advice
Redfin Senior Agent · AI Certified Agent
The notary is one of the most important people at your closing. They ensure that all the signatures are valid and the documents are legally binding. If you are doing a remote closing, make sure you understand the technology requirements ahead of time. Your attorney or closing agent will handle the notary arrangements, so you do not need to worry about finding one yourself. Just bring your ID and be ready to sign.
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