Which loan packages do you handle?

All common residential package types: buyer, seller, refinance, HELOC, reverse mortgage, and investor or commercial closings. Every signing is handled by a trained loan signing agent who presents the documents, confirms signatures and initials, and returns the package on the title company’s timeline.

How long does a loan signing take?

Most loan signings run 60–90 minutes, depending on package size and the number of signers. Reverse mortgages can run longer because of the additional disclosures involved. Ample time is scheduled so nothing is rushed, and the appointment is never cut short to meet the next one.

Can you explain the loan documents to me?

We can point out key information like payment amounts, interest rates, and due dates, but we cannot provide legal advice. Consult your lender or attorney for detailed explanations.

What if I find an error in the documents?

We'll contact your lender immediately to resolve any errors before proceeding with the signing.

What's the difference between a notary and a loan signing agent?

A loan signing agent is a notary with specialized training in mortgage documents. We are NNA-certified signing agents with background checks and E&O insurance, trained to handle the full loan package professionally.

Who pays for the mobile notary at closing?

Typically the signing service or title company pays the notary fee as part of closing costs. In refinances, this is usually paid by the lender. You'll see any applicable fees on your Closing Disclosure.

Can I reschedule my loan signing?

Yes, but notify us and your lender as early as possible. Last-minute changes may affect your closing date and rate lock. We're flexible and will work to accommodate schedule changes when possible.

What happens after the loan signing is complete?

We return the signed documents to the title company or signing service via overnight courier (typically FedEx or UPS). After the lender reviews documents, funding usually occurs within 24-72 hours.

Do both spouses need to sign mortgage documents?

In Ohio, both spouses typically sign mortgage documents even if only one is on the loan, due to homestead and dower rights. Specific requirements depend on your title situation and lender policies.

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Our Services

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Loan Signings

Certified Loan Signing Agent services for mortgage refinances, purchases, and HELOCs.

Quick Answer

Can a loan signing agent come to me for my closing?

Yes. Signed On Time is an NNA-certified loan signing agent who meets you at your home or office for purchase, refinance, HELOC, and seller closings across Southwest Ohio. Your title company or lender usually schedules and pays for the signing. Bring a current government photo ID.

Buying a home or refinancing? We come to you — same-day closings available throughout Southwest Ohio. For more on the closing process, the Consumer Financial Protection Bureau offers helpful guides. Call or book online.

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Complete Loan Signings Services

Professional loan signing services by certified Loan Signing Agents. We handle mortgage closings, refinances, reverse mortgages, and HELOC signings with precision and expertise.

What We Notarize

Purchase mortgage closings
Refinance loan signings
HELOC (Home Equity Line of Credit)
Reverse mortgage signings
Commercial loan documents
Seller closing packages

What happens during a loan signing?

A certified loan signing agent guides you through signing mortgage documents, reviews key terms, ensures proper notarization, and returns completed documents to your lender. We handle refinances, purchases, HELOCs, and reverse mortgages throughout Ohio. Loan signings typically require 100–150 pages of documents and take 30–45 minutes to complete with an experienced signing agent.

Service Highlights

Same-day service available

Mobile service to your location

Licensed & insured notary

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Quick Tips

Review Closing Disclosure

Compare final terms with your loan estimate before signing

Ask Questions

Don't hesitate to ask about any document you don't understand

Bring Certified Funds

Have your certified check or wire transfer ready if required

What are your fees?

Ohio law permits a notary to charge up to $5 per notarial act. A mobile notary appointment may also include a travel or service fee based on the location, timing, and circumstances of the appointment, so the total depends on the appointment itself. Call (513) 226-9052 for pricing or use Book Now, and final pricing is confirmed before the appointment takes place.

Ohio law permits a notary to charge up to $5 per notarial act. Mobile appointments may also include a travel or service fee based on the location, timing, and circumstances of the appointment. Because the total depends on the appointment, call (513) 226-9052 for pricing or use Book Now. Final pricing is confirmed before the appointment.

RelatedIs there a travel fee for mobile notary?Is there an extra fee for after-hours service?

Professional Loan Signing Process

Document Review

We receive and review your loan package 24 hours prior

Appointment Confirmation

Confirm time, location, and all required parties

Guided Signing

Professional guidance through each document with explanations

Document Return

Secure return via FedEx or as specified by lender

Mobile Notary Near You in Southwest Ohio

Looking for a mobile notary near you? Signed On Time comes to your location throughout Hamilton, Warren, Montgomery, Butler, Greene and Clinton counties. Whether you need a certified loan signing agent for your closing in Cincinnati, Dayton, Mason, Lebanon, West Chester, Kettering, or any surrounding community — we come to you. Same-day and after-hours appointments available 7 days a week including evenings and weekends.

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Ready to Schedule Your Loan Signing Appointment?

Same-day mobile notary service available throughout Southwest Ohio. Terry comes to your location.

Book Online Call (513) 226-9052

Available Monday–Sunday 7AM–10PM

What Happens at a Loan Signing?

First time at a loan closing? Our guide walks through exactly what to expect — documents, timing, the right-to-cancel period, and how to make sure nothing gets missed.

Read the Loan Signing Guide →