Refinance Loan Signing in Waynesville, Ohio: NNA Certified

If you are refinancing a mortgage or HELOC in Southwest Ohio, Signed On Time handles the loan signing and comes to you, whether that is your kitchen table, your office, or your lender's or title company's office. Terry May is an NNA Certified Loan Signing Agent based in Waynesville, Ohio, with more than 25 years in commercial and residential lending. Appointments run across six counties, seven days a week, including evenings and weekends.

Who handles a refinance or HELOC loan signing in Southwest Ohio?

Signed On Time handles refinance and HELOC loan signings throughout Southwest Ohio, and I travel to the signer instead of asking you to drive to an office. I'm Terry May, the owner. As a mobile loan signing agent working across Southwest Ohio, I'm NNA Certified, carry a 2 million dollar errors and omissions policy, complete a yearly background screening, and have been commissioned as an Ohio Notary Public since July 28, 2017.

The 26-plus years I spent in commercial and residential lending matter at a refinance table. I know how a closing package is built, which pages carry the notarial acts, and where borrowers usually slow down. That background is why title companies and lenders in the area send me their mobile loan signing assignments.

My role is to be an impartial witness. I verify your identity, watch you sign, complete the notarial acts the package requires, and return the documents. I do not give legal advice, explain your loan terms, or decide which product is right for you. Questions about your rate, payoff figure, or whether to keep your HELOC separate or roll it into the new mortgage belong with your lender or title company; Bankrate's guide to refinancing a HELOC describes the common paths if you want background before you call them.

What happens at a refinance or HELOC loan signing?

Your lender or title company prepares the closing package and sends it to me, I print it, and I meet you at the time and place you choose. A refinance or HELOC package usually runs many pages, and most signings take somewhere around 30 to 60 minutes depending on the package size.

At the table I guide you page by page, point out every spot that needs a signature, initial, or date, and make sure nothing is left blank. For the pages that call for a notarial act, I confirm your identity and notarize your signature. After we finish, many lenders want the completed documents scanned back the same day, and I return them as the title company or lender directs.

A few things I do not do: I cannot change a document, fill in a figure for you, or tell you what a clause means. If something on a page does not match what you expected, we pause and you call your lender before signing. If you want the step-by-step version before your appointment, read what happens at a loan signing, and the timing details are covered in scanback timing explained.

Where can we meet, and how soon can you come?

I come to you anywhere in the service area, including your home, your workplace, a title company office, or a lender's office. Signed On Time is based in Waynesville, Ohio 45068, and serves Hamilton, Warren, Montgomery, Butler, Greene, and Clinton counties in Southwest Ohio, between Cincinnati and Dayton. All service is in person and mobile.

Regular hours are 7 AM to 10 PM, seven days a week. Same-day appointments are available, subject to the current schedule, your location, travel distance, timing, and urgency. Need something outside those hours? Call (513) 226-9052 and I will accommodate the request whenever I can. If you are outside the six counties, call to ask and I will tell you whether I can reach you.

What does a refinance or HELOC loan signing cost?

A refinance or HELOC loan signing is a custom quote, and I confirm the total before you book. The quote depends on the signing assignment, your location, the package requirements, and the timing. A travel fee applies to every mobile appointment and is quoted before you book, as Ohio law requires it to be agreed before the notarial act.

Payment is accepted by cash, Venmo, or Zelle. For a confirmed total on your specific signing, call (513) 226-9052 or use the booking page.

What should I have ready for the appointment?

Have your government-issued photo identification ready, and make sure the name on your ID matches the name on the loan documents. Every borrower who needs to sign should be present at the appointment.

Your lender or title company tells you if the loan requires witnesses, since witness requirements depend on the document and the transaction. If you expect a witness need, confirm it with them before the signing so we are not caught short. Common mistakes that delay a refinance closing are covered in refi and HELOC signing errors to avoid, and more help is in the loan signing guides.

Frequently asked questions

Can you come to my home or the lender's office for the signing?

Yes. I travel to the location you choose within the service area, including your home, your office, a title company, or a lender's office. Signed On Time is mobile, so you do not drive anywhere for the signing.

How fast can you schedule a same-day refinance or HELOC signing?

Same-day appointments are available, subject to the current schedule, your location, travel distance, timing, and urgency. I cannot promise a set arrival time, but call (513) 226-9052 and I will tell you honestly what I can do that day. Regular hours run 7 AM to 10 PM, seven days a week, and outside-hours requests are accommodated when possible.

What does a refinance or HELOC loan signing cost?

The signing is quoted per assignment based on the package, location, and timing, and the total is confirmed before you book. Ohio law permits up to $5 per notarial act, and a travel fee applies to every mobile appointment and is quoted before booking. For a confirmed price, call (513) 226-9052 or use the booking page.

Who decides whether my loan needs witnesses?

Witness requirements depend on the document and the transaction, and your lender or title company confirms them. I do not choose your documents or decide what the closing requires. Ask them before the appointment, and if witnesses are needed, let me know so we can plan for them.

To book a refinance or HELOC signing, call (513) 226-9052 or request an appointment at signedontime.com/book-now.