Stop losing deals to scheduling friction. Borrowers complete identity verification and notarize loan documents from home — the same day they receive them. Legal in 40+ RON-authorized states.
Refinance — Michael & Sara T.
Loan #2024-8821 · $312,000 · Fixed 30yr
Documents sent to borrowers
Identity verified — both signers
RON session complete
Notarized package in LOS
Deed of Trust
Notarized ✓
Note
eSigned ✓
Closing Disc.
eSigned ✓
Same day
Loan closing turnaround
40+ states
RON authorized
MISMO
eNote compliant
$25
Flat per notarial act
From mortgage origination to commercial banking, Zignature RON covers the full spectrum of financial document notarization.
Purchase loans, refinances, and cash-out refinances. Borrowers complete the full notarized closing package from home — promissory note, deed of trust, closing disclosure, and all required affidavits.
Home Equity Lines of Credit are one of the highest-volume RON use cases. Homeowners notarize their HELOC security instrument and opening documents from home — no scheduling, no travel, no delays.
Commercial mortgages, construction loans, and bridge loans with multiple signatories. Corporate officers and guarantors in different locations sign in a single multi-party RON session.
Small Business Administration loan packages require multiple notarized forms. Business owners and guarantors complete the entire notarized package remotely, reducing time-to-funding significantly.
High-value account opening documents, signature cards, signatory authorizations, and trust account documentation — all executed remotely with a notarized audit trail.
Auto loan security agreements, equipment financing documents, and UCC filings that require notarization — completed remotely for dealers and borrowers without in-person visits.
The notarization bottleneck has historically been one of the last friction points in digital lending. RON eliminates it entirely.
3–7 day scheduling delays
Borrowers must find an available notary, schedule in advance, and drive to a location — often missing rate lock windows.
High fall-through rates
Borrowers who can't easily get to a notary abandon the loan process entirely — especially in rural areas or for elderly borrowers.
Weak audit trails
Traditional notary stamps provide no video evidence, no identity verification record, and no cryptographic tamper-evidence.
Same-day or next-hour closings
Borrowers notarize documents within hours of receiving them. Rate lock windows protected. Fall-through rates drop dramatically.
Serve any borrower, anywhere
Rural borrowers, elderly clients, military families, and out-of-state buyers all complete the full notarized closing package from home.
5-part evidentiary package
Video recording + identity verification + KBA record + PKI seal + notary journal — far stronger than any ink notarization.
Yes. In 40+ RON-authorized states, mortgage loan packages — including promissory notes, deeds of trust, and closing disclosures — can be notarized via live video session. Lenders receive MISMO-compliant certified documents that meet secondary market requirements for conforming loans.
With traditional notarization, borrowers must schedule an in-person appointment — often 3–7 days out. With Zignature RON, borrowers complete identity verification and connect with a notary the same day they receive closing documents. This typically reduces turn-times by 3–7 business days, protects rate lock windows, and dramatically reduces fall-through rates.
Yes. HELOC closings are among the most common RON use cases in financial services. Homeowners can sign and notarize their HELOC security instrument and opening documents from home — dramatically reducing the abandonment rate caused by scheduling friction with traditional notary visits.
Zignature uses a multi-factor identity verification process meeting MISMO and state RON requirements: (1) government-issued ID scan with document authentication, (2) liveness detection to confirm physical presence, and (3) knowledge-based authentication (KBA) using questions from credit bureau data. The complete identity record is archived as part of the tamper-evident audit package.
Yes. Zignature offers a full REST API that can be embedded into your LOS, CRM, or borrower portal. Send documents, trigger RON sessions, receive webhooks on completion, and retrieve notarized packages — all programmatically. See our Developer Portal for API documentation and sandbox access.
Yes. Lenders and title companies processing 50+ transactions per month qualify for custom volume pricing. Contact our enterprise team at contact us for a pricing discussion. We offer per-transaction, monthly commitment, and prepaid volume packages.
Zignature RON closes the last gap in the digital lending workflow. Get started free or talk to our enterprise team for a custom integration.