Digital Closing

Signatories in a TWIN (also known as a traditional notarization) appear in person before a notary to wet ink sign paper documents. The notary verifies their identity on the spot, and applies their signature and seal on paper. 

 Signatories in an IPEN (also known as eNotarization) appear in person before an eNotary to eSign digital documents. The notary verifies their identity on the spot, and their electronic seal and signature is digitally placed on the document. 

 Signatories appear before an eNotary via a two-way, audio-video conference over the internet to eSign digital documents. Identity is verified with photo ID and correctly answering knowledge-based authentication questions. A recording of the transaction is available to permissible parties. eNotes are required.

Signatories appear before an eNotary via a two-way, audio-video conference over the internet to eSign and eNotarize most documents. Identity is verified with a photo ID and correctly answering knowledge-based authentication questions. After the transaction, any documents that need a wet ink signature must also be wet ink notarized before returning to the settlement agent to finalize the closing. A recording of the transaction is available to permissible parties. This process will generate at least one paper document that will be wet ink signed, notarized and returned to the settlement agent. This is typically the promissory note, but multiple documents can be processed this way.

Signatories appear before a notary by means of two-way, audio-video communication technology, where the notary observes the wet ink signing of the documents. Once completed, the original documents are returned to the notary via overnight delivery for certification and execution by the notary and affixation of the official stamp or seal.