What If a Home Buyer Can't Attend the Closing in Ohio?

If a home buyer can't attend the closing in person, the usual answer is a mobile notary who meets the buyer wherever they are and notarizes the signatures on the closing documents the title company has prepared. Signed On Time travels across Hamilton, Warren, Montgomery, Butler, Greene, and Clinton counties to do exactly that, so the closing can stay on schedule even when the buyer is at work, out of town nearby, recovering at home, or in a hospital bed.

Can a buyer sign closing documents away from the closing table?

Yes, in most cases. Many title companies and lenders allow a buyer to sign separately from the seller, sometimes called a split closing or a mail-away signing. The title company sends the documents, a notary meets the buyer, and the signed package goes back to the title company. Whether your lender and title company allow this is their decision, so ask your title officer first. Once they approve it, Signed On Time handles the in-person signing.

What does the notary do at a separate buyer signing?

The notary is an impartial witness. At the appointment I check each signer's current government-issued photo ID, watch each signature, and complete the notarial certificates, stamp, and seal on the pages that require them. I do not explain loan terms, give legal advice, or tell you whether you should sign. Questions about the numbers or the terms go to your lender, title officer, or attorney, and you can call them during the appointment if something comes up.

What should the buyer have ready?

• A current, unexpired government-issued photo ID that matches the name on the documents
• The closing package from the title company, or confirmation that it is being sent to the notary
• Any funds or wiring instructions the title company gave you, handled directly with them
• A quiet table and enough time to read before signing; a full purchase package often takes 60 to 90 minutes

What if the buyer is in the hospital or can't leave home?

A mobile notary can usually come to a hospital room, rehab facility, or home. The signer has to be able to recognize the notary, communicate, and sign willingly. If a buyer can't sign at all, a power of attorney may be an option, but whether your lender accepts one is up to the lender and title company, and the document itself should come from an attorney.

How much does it cost?

Ohio allows a notary to charge up to $5 per notarial act. A mobile appointment also includes a travel fee that depends on the location and timing, and the total is quoted in full before the appointment. Call (513) 226-9052 or use Book Now to schedule.