What PA Notaries Must Know Before Taking Their First Loan Signing Appointment

You’ve got your PA notary commission, your supplies, and maybe even your first signing lined up. But before you sit down at the table with borrowers and a 100-page loan package, it’s time to level up. Your first loan signing is a chance to build confidence, impress clients, and avoid costly mistakes.

Here’s everything new PA mobile notaries must know before handling their first closing appointment—so you walk in prepared and walk out ready for referrals.

Dress, Pack, and Act Like a Pro

Loan signings are professional appointments. Dress the part: business casual at minimum. No jeans, flashy prints, or athletic wear. Arrive 10 minutes early, and bring a well-organized notary bag with:

Your PA commission and ID
Notary journal + extra pens
Stamp + thumbprint pad
Binder clips, sticky notes, and a signing checklist

🔥 Hot Tip: Bring a second pen for the signer—and a third in case one runs out. Small touches build big trust.

Confirm Everything Before You Leave the House

Before you print or travel, confirm all the appointment details:

Borrower name(s), location, and parking situation
That they have current, valid ID
If any witnesses are needed (and if they’ll be present)
How long the signing is expected to take

A 2-minute call saves 45 minutes of frustration and failed appointments.

Preview the Package (Without Giving Legal Advice)

You’re not there to explain APRs or closing costs. But you should know how to flip through the package to locate:

Pages that require notarization
Documents with multiple copies (RTC, 1003s, etc.)
Signature vs initial pages

Organize your pages by signing order or use tabs to streamline the process.

🔥 Hot Tip: Don’t assume the lender did everything correctly. Check that your notary blocks are present—and complete them clearly.

Stick to the Script When Questions Arise

It’s normal for borrowers to pause, get confused, or ask: “What happens if I cancel?”

Here’s your go-to language:

“I’m here in a neutral role as your notary. I can walk you through where to sign, but I can’t interpret or give advice. Want to call your loan officer together?”

Stay friendly, calm, and professional—even if a spouse gets frustrated or someone wants to read 60 pages out loud.

Close Like a Professional

Once the last page is signed and notarized, check for:

Missed signatures or initials
Correct dates on RTC and affidavits
That your journal is fully completed before you leave

Thank the client, hand them their copy, and leave your business card. If you were sent by a signing service or title company, email a quick confirmation that the signing is complete.

🔥 Hot Tip: Always scan back or drop the docs the same day, if required. Delays kill deals—and reputations.