The Difference Between a Notary and a Signing Agent in Florida

People often use 'notary' and 'signing agent' interchangeably, but they are different qualifications. If you're handling a real estate closing or mortgage in Jacksonville, here's what you need to know.

What Is a Notary Public?

A notary public is a state-commissioned official authorized to witness signatures, administer oaths, and certify document authenticity. In Florida, becoming a notary requires an application, a surety bond, and appointment by the Governor's office. A notary can notarize virtually any legal document, wills, power of attorney, affidavits, deeds, and more.

What Is a Loan Signing Agent?

A loan signing agent is a notary public with additional training and certification in real estate loan documents. They specialize in walking borrowers through mortgage closing packages, sometimes 100+ pages requiring specific signatures, initials, and notarizations in precise locations. Signing agents work with title companies, escrow companies, and mortgage lenders.

Key Differences

A notary can notarize almost any document; a signing agent specializes in loan and real estate packages. Signing agents typically have additional certifications (the NNA Signing Agent credential is the industry standard) and carry more Errors and Omissions insurance. Real estate closings typically require a signing agent, not just a general notary.

The Jacksonville Notary: Notary and Certified Signing Agent

The Jacksonville Notary holds 20 years of experience as both a Florida notary and a mortgage closer, making her uniquely qualified for real estate closings in Jacksonville. She handles buyer/seller transactions, refinancing, HELOCs, reverse mortgages, and construction loans. Call 904-762-5310 to schedule.