Loan Signing Services in Northern Virginia

Here a few types of closings:

Purchase Loan Closings are when someone takes out a loan to purchase a house. Typical documents involved include a promissory note, a deed of trust (mortgage), a closing disclosure, a loan application (Form 1003), a title insurance policy, a certificate of occupancy

Refinance Closings

This happens when a homeowner refinances their mortgage to improve their loan terms (i.e. to obtain a lower interest rate).

Home Equity Line of Credit (HELOC) Closings

A HELOC allows a homeowner to borrow against the equity in their home.

Reverse Mortgage Closings

These are typically for homeowners aged 62 and older and allows them to convert their  home equity into cash.

Seller Package Closings

In this scenario, the seller signs documents that transfer property ownership to the buyer. This often involves a deed and various other closing documents that require notarization. 

Loan Modifications

A loan modification is when a borrower works with their lender or bank to change the terms of their existing mortgage, typically to make payments more manageable.

Cash-Out Refinances 

This is similar to a regular refinance, but in this case, the homeowner borrows additional funds using the equity in their home.

Commercial Loan Signings

For businesses seeking financing, commercial loan signings often involve large transactions and complex documents.

Each of these scenarios requires different sets of documents, but in all cases, the notary ensures the signer’s identity, awareness, and willingness to proceed with the transaction. 

Loan Signing Specifics For Borrowers

You should receive a Closing Disclosure that outlines closing costs and general loan terms a minimum of 3 days before your actual closing appointment. 

If you have not received this, please call your title and escrow contracting company for this information.

For your appointment, you will need to have:

• A clean work station free from distractions.

• 1-2 hours of your time. This is an important appointment and you should make sure that you take the time to fully understand all of the documents, your loan terms, and any additional requirements and stipulations.

• An unexpired Government Issued Photo ID. The name on your Government Issued ID must match the name on your document exactly or First Light cannot legally perform a notarization.

• Any additional stipulations (i.e. a check) for closing costs as determined by your title/escrow/contracting company.