Remote online notarization for mortgage lenders, title companies, and settlement agents. Borrowers close from anywhere — no travel, no scheduling conflicts, no closing table. ALTA-compliant, eNote-ready, accepted by major title underwriters in 40+ states.
123 Maple Street Closing
Purchase · $485,000 · Texas
James & Sarah Chen
Borrowers · Houston, TX → signing from Chicago, IL
ID verified
✓ Both
Docs signed
18 / 24
Notarized
4 / 6
Closing package complete
Audit trail sealed · Ready for title underwriter
40+
RON states
30–45 min
Typical closing time
ALTA
Best Practices compliant
eNote
Ready
From purchase to refinance to HELOC, Zignature handles the full mortgage closing package — securely, compliantly, at scale.
Full closing package for home purchases: deed of trust, mortgage instrument, affidavit of title, closing disclosure, and all required notarial certificates — completed remotely with both borrowers present via video.
Rate-and-term and cash-out refinances completed entirely online. Borrowers sign and notarize the new loan documents — deed of trust, note, compliance agreement, right of rescission — from any device.
Home equity line of credit agreements, security instruments, and disclosure documents notarized online. No branch visit required for existing homeowners accessing equity.
When a borrower cannot attend in person, a POA for real estate closing can be executed and notarized via RON — enabling the designated attorney-in-fact to sign at closing on the borrower's behalf.
Execute the promissory note as a MERS-registered eNote. Combined with RON for the rest of the package, Zignature enables fully digital mortgage closings with secondary market delivery readiness.
Settlement statements, gap indemnities, owner's affidavits, survey affidavits, and title insurance documents — all handled within a single RON session, with the complete ALTA-compliant audit trail attached.
Originate and close loans faster by removing the scheduling bottleneck. Borrowers in rural areas, different time zones, or with mobility constraints can close without travel. Reduce fallthrough rates from scheduling conflicts.
Handle remote closings for lenders and direct buyers without hiring additional settlement agents. Zignature's ALTA-compliant audit packages satisfy underwriter requirements for all major title insurance carriers.
Independent settlement agents and closing attorneys can accept remote closings from anywhere in their licensed states. Expand your geographic reach without opening new offices. Zignature handles the technology stack.
| Factor | RON (Zignature) | Traditional In-Person |
|---|---|---|
| Borrower travel required | None | Required |
| Typical closing duration | 30–45 min | 60–90 min |
| Geographic restriction | None (40+ states) | Must be local |
| Identity verification | AI + KBA + biometric | Visual ID check only |
| Audit trail | Full video + tamper-evident | Paper-based only |
| ALTA Best Practices | ✓ Compliant | Manual process |
| eNote support | ✓ MERS-ready | Wet ink only |
| Scheduling flexibility | 24/7 on-demand | Business hours, local |
Every state's RON statute has different ID verification, recording, and journal requirements. Zignature's platform automatically applies the correct rules for the signer's state — you don't have to manage state-by-state compliance manually.
Florida
One of the first RON states. Strong secondary market acceptance.
Texas
Largest mortgage market in the South. Full RON statute enacted.
Virginia
Pioneer RON state. Comprehensive statute, strong underwriter support.
Ohio
High-volume Midwest market with active RON adoption.
Michigan
Full RON statute. Growing lender and title company adoption.
Arizona, Colorado, Nevada + 34 more
Full state-by-state breakdown at zignature.io/ron-states →
Yes. In 40+ US states with RON legislation, mortgage closing documents including the deed of trust, promissory note, and closing disclosure can be notarized via a live video session with a licensed remote notary — making a fully remote closing legally valid, recordable, and acceptable to title underwriters.
Most mortgage closing package documents can be notarized via RON: deed of trust, mortgage instrument, affidavit of title, compliance agreement, closing disclosure, right of rescission, survey affidavit, owner's affidavit, and power of attorney for closing. The promissory note can be executed as an eNote when lenders participate in the MERS eRegistry.
Zignature's RON platform meets ALTA Best Practices requirements: multi-factor identity verification using AI + KBA + biometric matching, tamper-evident document sealing with audit trails, encrypted session recording, and secure long-term record retention — all required for acceptance by major title insurance underwriters.
An eNote is a promissory note executed electronically and registered on the MERS eRegistry. When combined with RON for the rest of the closing package, lenders can complete a fully digital mortgage closing with no wet-ink documents. Zignature supports eNote workflows for lenders who are MERS eRegistry participants, enabling secondary market delivery to Fannie Mae and Freddie Mac.
Over 40 US states have enacted RON legislation that permits remote mortgage closings. Leading states include Florida, Texas, Virginia, Ohio, Michigan, Arizona, Georgia, Nevada, Colorado, Indiana, Tennessee, and many more. See our complete state-by-state RON guide for current status, requirements, and statute references.
Yes. Major title underwriters including Fidelity National Title, First American, Old Republic, and Stewart Title accept RON closings performed on ALTA-compliant platforms in states with enacted RON statutes. Zignature's audit packages are designed to meet the documentation and retention requirements all major underwriters require for insuring RON-closed transactions.
RON mortgage closings typically take 30–45 minutes for a full closing package, compared to 60–90 minutes for a traditional in-person closing. The reduction comes from AI pre-screening that catches document issues before the session starts, and streamlined navigation of the signing package that guides borrowers through each document sequentially.
RON for Real Estate →
Agents, brokers & closings
RON for Legal Firms →
Estate, litigation & transactional
RON for Financial Services →
Banks, credit unions & wealth mgmt
RON for Insurance →
Policies, claims & affidavits
AI Notary Platform →
AI-powered identity & fraud detection
RON States Guide →
40+ state requirements
ALTA-compliant. eNote-ready. AI-powered identity verification. Close loans in 40+ states without a closing table.