What ID Do You Need for a Loan Signing?
Every notarized signing starts with the same step: the notary has to confirm you are who the documents say you are. A missing, expired or mismatched ID is one of the most common reasons a closing gets delayed. Here's how to make sure yours is ready.
IDs that are usually accepted
Requirements vary by state, but most notaries can accept a current, government-issued photo ID that includes your signature, such as:
- A state driver's license
- A state-issued ID card
- A U.S. passport or passport card
- A military ID
Some states accept additional forms of ID. If you plan to use something other than a license or passport, ask your title company or the notary when they call to confirm your appointment.
Make sure your name matches
The name on your ID should match the name on your loan documents. Small differences, like a missing middle name or a recent name change after marriage, can cause problems. If your name differs, tell your title company before the signing so they can prepare the right paperwork, and bring a second ID if you have one.
What if my ID is expired?
In most cases, an expired ID can't be used. Check the expiration date on your ID as soon as your closing is scheduled so you have time to renew it if needed. If you don't have an acceptable ID, some states allow alternatives such as credible witnesses, but the rules are strict, so contact your title company right away.
Signing remotely?
For remote online notarization (RON), identity is usually verified electronically. You'll typically be asked to show your ID on camera and answer identity questions generated from public records. Have your ID within reach before the session starts.
Current photo ID for every signer, name that matches your documents, and a second ID if your name has changed. Questions? Ask when your notary calls to confirm the appointment.