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The difference between a loan signing agent and a notary public is that a notary public verifies identities and witnesses signatures, while a loan signing agent specializes in handling real estate loan documents, guiding borrowers, and ensuring each form is completed correctly.
What a Notary Public Does
A notary public performs general notarial acts.
Their main role is to confirm the signer’s identity using a valid ID.
They witness signatures, administer oaths, and apply their official seal.
A notary public does not explain documents or guide borrowers through paperwork.
They are authorized by the state and can handle any type of notarization. If you are looking for document notarization services, then be sure to check Right HR Solutions, and our team will fulfill all types of document processes.
What a Loan Signing Agent Does
A loan signing agent is a notary with additional training in real estate closings.
They handle mortgage-related documents such as the Deed of Trust, Note, Closing Disclosure, and settlement statements.
They ensure every page is signed, initialed, and dated correctly according to lender instructions.
They cannot give legal advice, but they can point out where the borrower must sign.
Many earn certifications from training programs to increase accuracy and meet lender standards.
Scope of Work
A notary public may notarize documents like affidavits, divorce papers, power of attorney, or school forms.
A loan signing agent works almost exclusively with real estate transactions such as home purchases, refinances, and equity loans.
Required Skills and Training
A notary public only needs to meet state and Government requirements, pass a notary exam (in some states), and get a notary commission.
Loan signing agents often complete extra courses, background checks, and carry $25,000–$100,000 in E&O insurance due to lender requirements.
Compensation Differences
A general notary public typically earns $5–$15 per signature, depending on state limits.
A loan signing agent can earn $75–$200 per loan signing appointment because the process is longer and requires more documentation.
When You Need Which One
Use a notary public for everyday documents requiring identity verification.
Use a loan signing agent for mortgage closings, where accuracy and document knowledge are essential.
Is A Registered Agent the Same As a Notary?
No, a registered agent is not the same as a notary. They have completely different roles and responsibilities.
A registered agent is a person or business appointed to receive legal documents on behalf of a company. This includes lawsuit notices (service of process), tax letters, compliance reminders, and official state correspondence. Their job is to ensure the business never misses important legal deadlines.
A notary public, on the other hand, is a state-appointed official who verifies identities, witnesses signatures, and performs notarial acts like administering oaths. They ensure documents are signed honestly and legally.
