The end of the year is a busy season for home closings and refinances in Las Vegas. Buyers want to be settled before the holidays, sellers want a clean start in January, and many homeowners are reviewing their mortgages before the new year. Whatever brings you to the closing table, one of the last steps is the same: signing a stack of loan documents in front of a notary.
I’m John Yurasits, and I’ve been a notary since 1995. As a mobile notary in Las Vegas and a loan signing agent, I come to you, whether that’s your kitchen table, your office, or a coffee shop near your work. Here’s what to expect at a mobile loan signing and how to get ready so the appointment goes smoothly.
What Does a Loan Signing Agent Do?
A loan signing agent is a notary who has been hired, usually by the title company, escrow company, or lender, to bring the closing package to you and guide you through signing it. My job at the appointment is to:
- Verify your identity
- Walk you through where each page needs a signature, initials, or a date
- Notarize the documents that require it, such as the deed of trust
- Record each notarial act in my journal, as Nevada law requires
- Check the package for missed signatures before it goes back to the title or escrow company
What I don’t do matters too. A loan signing agent can’t explain your loan terms, interest rate, or fees, and can’t tell you whether to sign. Those questions belong with your lender, loan officer, escrow officer, or attorney. If something in the package doesn’t match what you were promised, it’s perfectly fine to pause and call them before signing anything.
How to Prepare for Your Mobile Loan Signing
Bring the right ID
Under NRS 240.1655, a Nevada notary needs satisfactory evidence of your identity. In most cases, that means a current identifying document with both your photo and your signature, like a driver’s license, state ID card, or passport. Nevada law also allows a few other options, such as a consular identification card or identification through a credible witness, but for a real estate closing your lender or title company may have stricter rules. Check your signing instructions, and make sure every borrower on the loan has valid ID ready.
One more tip: the name on your ID should match the name on your loan documents. If you’ve recently married, divorced, or changed your name, let your title or escrow officer know well before the appointment.
Have everyone who is signing present
Each person whose signature is being notarized has to appear in person before me. If a co-borrower or spouse also needs to sign, plan a time when everyone can be there together, or ask your title company early about other arrangements.
Set aside enough time
Loan packages can be long. Plan for a relaxed appointment rather than squeezing it in between meetings. You’re welcome to read every page; it’s your loan, and taking your time is never a problem.
Review your Closing Disclosure ahead of time
Your lender typically sends your final figures before closing. Reviewing them beforehand, and asking your lender any questions then, makes signing day far less stressful.
Pick a comfortable spot
A table with good lighting and a little elbow room is all we need. I bring pens, my notary seal, and my journal.
Mobile Notary Fees in Nevada
Nevada sets the maximum fees notaries can charge for notarial acts in NRS 240.100. For example, the fee for an acknowledgment is up to $15 for the first signature of each signer and $7.50 for each additional signature.
Travel is handled separately. Under the same statute, a notary may charge a travel fee only when you ask the notary to travel to you, the notary explains that the fee is in addition to the notarial fee and isn’t required by law, and you agree to the hourly rate in advance. The travel fee is capped at $15 per hour between 6 a.m. and 7 p.m. and $30 per hour between 7 p.m. and 6 a.m., with a minimum charge of two hours allowed. I always go over any travel fee with you when you book, so there are no surprises.
For loan signings arranged by a title or escrow company, the signing fee is usually agreed between that company and the signing agent. Ask your escrow officer how closing costs are handled on your file.
Mobile Notary or Remote Online Notarization?
Some documents can be notarized through remote online notarization (RON), which I offer through BlueNotary. Whether your loan documents can be signed remotely is up to your lender and title company, so check with them first. If you do use RON with me, please note my office policy: every signature must be applied live during the recorded session. Documents signed electronically beforehand won’t be notarized, even for acknowledgments.
Frequently Asked Questions
Can I schedule the signing myself?
Often the title or escrow company arranges the signing agent, but you can ask whether they’ll work with a notary you choose. For other documents, like a power of attorney or an affidavit, you can book me directly.
What if my ID is expired?
Call me before the appointment. Nevada law offers a few identification options, but lenders often require current government-issued photo ID, so it’s best to sort this out early.
Will you tell me if I should sign?
No. A notary is an impartial witness. I make sure the signing is done correctly, but decisions about your loan are between you, your lender, and your own advisors.
Where do you travel?
I’m based in southwest Las Vegas (89118) and travel throughout the Las Vegas area by appointment.
Book Your Mobile Notary or Loan Signing Appointment
Whether you’re closing on a new home, refinancing, or just need a document notarized before the holidays, I’m happy to help. Yuri Notary is a BBB A+ rated business, I’ve been NNA-certified since 2010, and I’ve served clients as a notary for three decades. I’m also a Nevada Certified Document Preparer. Yuri Notary works by appointment only, so contact me to schedule your appointment, and I’ll come to you.
Yuri Notary — John Yurasits, MBA, MSHRM
5940 S Rainbow Blvd, Las Vegas, NV 89118
Nevada Notary Commission #16-3233-1
Disclaimer: John Yurasits is a Nevada notary public and Certified Document Preparer, not an attorney, and cannot give legal advice. This article is general information only and is not legal advice. For questions about your loan or your legal rights, consult your lender or a licensed Nevada attorney.
I AM NOT AN ATTORNEY IN THE STATE OF NEVADA. I AM NOT AUTHORIZED TO GIVE LEGAL ADVICE OR LEGAL REPRESENTATION. I MAY NOT ACCEPT FEES FOR GIVING LEGAL ADVICE OR LEGAL REPRESENTATION.