# The Complete Loan Signing Process Explained The loan signing process is a critical step in finalizing a mortgage or refinance. Understanding what happens during this process helps borrowers prepare and ensures a smooth closing experience. Here's everything you need to know about loan signings in Texas. ## Before the Signing Before the actual signing takes place, several steps occur: 1. **Loan approval**: The lender approves your loan application 2. **Document preparation**: The lender prepares the closing disclosure and loan documents 3. **Scheduling**: The title company or lender schedules the signing appointment 4. **Notary assignment**: A notary signing agent is assigned to facilitate the signing ## During the Signing The loan signing appointment typically includes: 1. **Identity verification**: The notary verifies all signers' identities using government-issued photo ID 2. **Document explanation**: The notary explains each document (though they cannot provide legal advice) 3. **Document signing**: Borrowers sign all required documents 4. **Notarization**: The notary notarizes documents requiring an official seal 5. **Document organization**: The notary organizes the completed package for return to the lender ## Key Documents You'll Sign During a typical loan signing, you'll encounter: - **Promissory Note**: The legal "IOU" that contains your promise to repay the loan - **Deed of Trust/Mortgage**: Secures the promissory note with the property as collateral - **Closing Disclosure**: Details all costs associated with the loan - **Loan Application**: The final version of your loan application - **Various Affidavits and Disclosures**: Additional required legal documents ## After the Signing Once the signing is complete: 1. **Document return**: The notary returns documents to the lender or title company 2. **Funding**: The lender reviews the documents and funds the loan 3. **Recording**: The deed and mortgage are recorded with the county 4. **Loan servicing**: Your loan servicing begins ## Choosing a Mobile Notary for Your Loan Signing A qualified mobile notary signing agent can make the process much smoother by: - Coming to your preferred location - Having experience with loan documents - Explaining the process clearly - Ensuring all documents are properly executed - Providing a professional, stress-free experience At Houston Mobile Notary Pros, our certified loan signing agents are experienced with all types of mortgage transactions and can facilitate your signing at your home, office, or another convenient location. Contact us today to schedule your loan signing appointment!