Reverse Mortgage Document Notarization

Reverse mortgage signings are more detailed and often take longer than standard refinances. Borrowers should prepare valid government issued ID, the reverse mortgage counseling certificate provided by the HUD approved counselor, and any occupancy or identity affidavits required by title. Non borrowing spouses may need to sign certain disclosures or acknowledgments even if they are not on the loan. We verify identity, confirm willingness, and notarize the pages that require a Nevada jurat or acknowledgment.

• What is usually notarized: Deed of Trust or equivalent security instrument, select title or lender affidavits, and other sworn statements when instructed.
• Spousal participation: A non borrowing spouse may sign spousal or occupancy documents based on title requirements and vesting. Bring valid ID for every signer.
• Time and environment: Expect a longer table session with clear lighting and a stable surface. We move at a steady pace and confirm each signature and initial block.
• Scan backs and drop: Many reverse assignments require scan backs for review before the shipping label drop. We provide clear scans and immediate tracking updates.

Lake Mead Mobile Notary serves senior communities across Las Vegas, including Sun City Anthem, Sun City Summerlin, and Sun City Aliante. To schedule a reverse mortgage signing, book online or call (702) 748-7444.

HELOC and refinance packages share many core forms, yet they differ in the number of pages, notarized documents, and post-signing requirements. A refinance commonly includes a Deed of Trust that must be notarized, plus lender and title affidavits that may require jurats. A HELOC often has fewer notarized pages but can include bank-specific riders and disclosures that require initials throughout the set.

• ID and name matching: Both package types require valid government issued ID that matches vesting. Some lenders request two forms of ID for HELOCs. We follow the assignment directions precisely.
• Notarized pages: Refinance sets almost always include a notarized Deed of Trust. HELOC sets may include a Deed of Trust or a similar security instrument depending on the lender. Affidavits that require a jurat appear in both package types when instructed by escrow.
• Right to Cancel: Both often include Notice of Right to Cancel for each borrower where applicable. The number of copies and initials are controlled by lender instructions.
• Scan backs and drop: HELOC assignments frequently request same-day scan backs before drop. Refinance files may require partial or full scan backs. We provide clean scans and carrier drop with tracking.

Lake Mead Mobile Notary guides the table, checks signature and initial blocks, and returns the file according to title requirements. Schedule a Downtown Summerlin appointment that fits your workday. Book online or call (702) 748-7444.

In a Nevada mortgage package, only some documents are notarized. The most common notarized document is the Deed of Trust, which secures the property as collateral. Other pages that often require notarization include specific affidavits (identity, occupancy, or name variations) and certain title or escrow affidavits when the closing instructions call for them. Many lender forms are executed without notarization and only need signatures or initials.

• Typically notarized: Deed of Trust, corrections/limited power of attorney when required by title, occupancy or identity affidavits, compliance or gap affidavits, and select title affidavits.
• Usually not notarized: Promissory Note, Closing Disclosure, initial escrow disclosures, privacy notices, and most lender specific acknowledgments that only require signatures or initials.
• Jurat vs acknowledgment: Affidavits and sworn statements use a jurat with an oath or affirmation. The Deed of Trust and similar instruments use an acknowledgment to confirm identity and voluntary execution.
• Non borrowing spouse: In community property scenarios, a non borrowing spouse may need to sign certain title documents. The specific pages and notarizations depend on title instructions and vesting.

Lake Mead Mobile Notary verifies identity, checks each certificate for Nevada compliance, and follows title and lender instructions so the package funds without delay. For help, book online or call (702) 748-7444.