Real estate › Refinance signings
Certified loan signing agent for rate-and-term, cash-out, and streamline refinance packages. We handle the deed of trust, disclosures, and every notarized page — then return the completed package to your lender or title company on deadline.
Lenders & loan officers: text us the borrower name, property address, estimated funding date, and your preferred drop-off method (e-doc, FedEx, hard copy). We confirm receipt and schedule directly with the borrower.
What we notarize
Refinance packages run 80 to 150+ pages, with 6 to 12 documents requiring notarization. We walk through every page, flag what needs your signature, and stamp the documents that need a notary acknowledgment.
Your exact package depends on lender, loan type, and California-specific addenda. We adapt to whatever your loan officer sends.
Refinance types
The signing process is similar across refinance types, but package size, rescission rules, and the documents to expect differ. Here is what to know for each.
You are replacing your existing mortgage with a new one to get a lower rate, a shorter term, or both — without pulling cash out. If you are planning to sell the property instead, see our seller signing page.
You are taking equity out of the property as cash, often for home improvements, debt consolidation, or another property purchase. If you prefer a revolving credit line instead of a lump sum, see our HELOC signing page.
A simplified refinance for existing FHA or VA loans — no full appraisal or income re-verification, lower fees, faster close.
Refinance FAQ
A typical refinance signing runs 30 to 60 minutes once everyone is at the table. Packages are usually 80 to 150+ pages, with 6 to 12 documents requiring notarization. Cash-out refis on the longer end; streamline refis on the shorter end.
California law requires a current, unexpired government-issued photo ID for each borrower — driver license, state ID, U.S. passport, or foreign passport. Expired IDs are not accepted. A thumbprint is also required in the notary journal for any document affecting real property.
In California (a community property state), the non-borrowing spouse usually still has to sign certain documents — often a Quitclaim, Interspousal Transfer, or Spousal Acknowledgment. Your lender will tell us in advance who needs to sign which pages.
For refinances on a primary residence, federal law gives you 3 business days after signing to cancel the loan. Funds do not disburse and the new loan does not take effect until that window closes. We make sure your Notice of Right to Cancel is signed and dated correctly so the rescission period starts on time.
Yes — your home, your office, an escrow office, a quiet coffee shop, or anywhere private and well-lit with a flat surface and good light. We come to you anywhere in our service area at the time you choose.
No — we are notaries and signing agents, not loan officers or attorneys. We can show you where to sign, initial, and date, but any question about rate, payment, escrow account, or loan terms goes to your lender or broker.
Stop and tell us. We will pause the signing and call your loan officer or escrow officer immediately. It is much easier to correct an error before the package is signed and returned than after.
Schedule a signing
Text us your borrower's name, property address, and funding deadline — we confirm same-day in most cases.