I’ve seen e-signatures get rejected, but it really depends on the lender and the type of document. Some are cool with digital for disclosures, but when it’s the promissory note or deed, they want wet ink. It’s a pain, honestly. Has anyone run into issues with notarized docs—like, do they ever accept remote online notarization, or is that still hit-or-miss?
I’ve actually had the opposite experience with remote online notarization—at least in a couple states. One lender I worked with last year was all about RON, even for the deed. Maybe it’s just luck of the draw or depends on the title company? It’s wild how inconsistent it still is.
That’s interesting, because when I refinanced last fall, my lender said RON wasn’t even an option in my state. I had to do the whole in-person notary thing, which felt pretty old-school. Maybe it really does just depend on who you get paired with...
Yeah, I ran into the same thing when I bought my place last year. I kept hearing about RON (Remote Online Notarization) and thought it sounded way easier, especially since my work schedule is all over the place. But nope—my lender said it wasn’t available in my state either. Ended up sitting in a conference room with a notary and a stack of paperwork that felt like it would never end.
It’s wild how much it varies depending on where you live and who you’re working with. Some of my friends in other states just did everything from their couch, which honestly sounds amazing... but I guess not everyone’s caught up yet. Maybe it’s just a matter of time before more places get on board? Until then, I guess we’re stuck doing things the old-school way. At least there was free coffee at my closing—small wins, right?
Ended up sitting in a conference room with a notary and a stack of paperwork that felt like it would never end.
That’s a pretty common experience, unfortunately. The patchwork of state laws around RON is honestly one of the biggest hurdles right now. Even when the technology is there, lenders and title companies have to follow local regulations, and some states are just slower to adopt new processes. It can be frustrating, especially when you hear about people in other places closing from their living rooms.
I do think we’ll see more widespread adoption over time, but there’s always a balance between convenience and making sure everything is secure and compliant. Sometimes the “old-school” way feels clunky, but it does have a certain reliability—at least you know all the boxes are checked before you walk out.
Free coffee at closing is definitely one of those small perks... I’ve seen some offices try to make it as painless as possible with snacks or even music. Not quite the same as signing from your couch, but it helps take the edge off.