When it comes to closing on a loan—whether it’s a mortgage refinance, purchase, or home equity line—every signature, initial, and date matters. Even a small error can cause delays that stall funding, frustrate lenders, and create unnecessary stress for borrowers. Understanding these common mistakes and how to avoid them can help make your loan signing process seamless and stress-free.
In this guide, we’ll cover the most frequent errors borrowers make during loan signings and explain how working with a professional loan signing agent can ensure everything is handled correctly the first time.
1. Missing Signatures or Initials
One of the most common and costly mistakes is leaving out a signature or initial. Loan documents are legally binding agreements, and lenders require complete accuracy. Missing a signature on the deed of trust, a borrower’s affidavit, or even an initial on a disclosure can cause the entire package to be rejected.
A trained notary signing agent is meticulous about checking every page. Before finishing an appointment, they double-check that each document has been signed, dated, and initialed where required. This attention to detail prevents delays in funding and avoids the need for inconvenient follow-up visits.
2. Incorrect Dates on Documents
Another frequent mistake is dating documents incorrectly. Borrowers sometimes enter the wrong date because they’re unsure whether to use the signing date, funding date, or rescission period. Each document has its own requirements, and a small mistake can cause big problems.
A certified signing agent knows exactly where and how each document should be dated. They guide the borrower through every step, ensuring that each date is consistent, compliant, and accurate according to the lender’s guidelines.
3. Using the Wrong Ink Color
It may sound minor, but the color of the ink used to sign documents matters. Most lenders require blue ink to distinguish original documents from copies. Signing in black ink can sometimes lead to rejection by the lender, delaying processing and funding.
Professional signing agents always bring multiple pens with the correct ink color, ensuring that no document is disqualified for something as simple as pen color.
4. Failing to Verify Identification Properly
Borrowers sometimes forget to bring valid photo identification, or the name on their ID doesn’t exactly match the name on their loan documents. This can cause serious delays, as notaries are legally required to verify identity before notarizing signatures.
A professional notary signing agent reminds clients in advance what forms of identification are acceptable. They also know how to handle situations where names differ slightly—such as missing middle initials or name suffixes—without compromising the legality of the documents.
5. Rushing Through the Signing Process
Loan signings can involve over 100 pages of paperwork. Some borrowers rush through the process, skipping explanations or signing too quickly, which increases the risk of missed signatures or errors.
A calm, experienced loan signing professional maintains an organized pace—explaining each document briefly, ensuring the signer understands what they’re signing, and confirming that all pages are properly executed before completion. This organized flow helps keep the appointment efficient while avoiding costly mistakes.
6. Failing to Review Key Documents Before Signing
Borrowers sometimes overlook important documents such as the Closing Disclosure (CD) or Note. If figures or terms are incorrect, it’s best to catch those errors before signing.
A knowledgeable signing agent can help borrowers identify which documents contain key information—like loan amount, interest rate, and monthly payment—so they can confirm the accuracy before signing. While notaries do not provide legal advice, their familiarity with loan documents ensures a smoother and more transparent process.
7. Not Using a Certified Loan Signing Agent
While many notaries can handle basic notarizations, loan documents are complex and highly regulated. Using an inexperienced notary who doesn’t understand lender-specific requirements can lead to errors that delay funding or invalidate the package.
A certified loan signing agent has specialized training in mortgage closings. They know how to navigate the paperwork, coordinate with escrow and title companies, and ensure that every document meets strict lender and state requirements.
Why a Professional Signing Agent Makes All the Difference
Accuracy and efficiency are everything in a loan closing. A single missed initial can mean a delayed move-in date or an expired rate lock. That’s why choosing a professional notary service that understands both the technical and human sides of the process is so important.
A professional signing agent:
- Prevents document errors before they happen
- Ensures all legal requirements are met
- Keeps communication open between borrower, lender, and escrow
- Maintains a stress-free, punctual signing experience
Work With a Trusted Loan Signing Professional in Salt Lake City
When it comes to something as important as your home loan, you want precision and professionalism from start to finish. That’s where Happy Valley Mobile Notary comes in.
Serving Salt Lake City and surrounding areas, Happy Valley Mobile Notary specializes in loan signings, real estate closings, and document notarizations that are done right the first time. With expertise in both personal and business notarizations, their certified signing agents ensure your documents are accurate, compliant, and ready for funding—without delays.
To schedule a reliable, professional loan signing, contact Happy Valley Mobile Notary today at (801) 441-2288 or request a quote online and experience how smooth your next closing can be.
