A loan signing service that shows you the fee cap math, not a black-box invoice
$10/act in person, $25/act by RON — that's the statutory cap on the notarial act itself. Everything else on the invoice is itemized and disclosed before the appointment is confirmed.
Florida caps the notarial act itself at $10/signature in person and $25/signature by RON. Travel, document handling, and RON platform fees are separate, disclosed line items. EMC prices closing and loan-signing work as a flat package that itemizes every component so your file shows exactly what was charged for what.
Closing signing logistics
Package receipt and review — every signature and notarization requirement confirmed before the appointment, so nothing gets discovered mid-signing.
Signer identity verification against government-issued photo ID; RON runs credential analysis and knowledge-based authentication ahead of the live session.
On-site or remote execution — title office, home, workplace, hospital room, or a Florida-approved RON platform with session recording retained for the statutory 10-year minimum (F.S. §117.245).
Document handling in sequence with the title company's closing checklist.
Return and confirmation by the agreed method (scan, courier, in-person handoff), with a completeness check before the appointment is considered closed.
What EMC does not do
We don't review loan terms with the signer, explain the contract, or advise on whether the signer should proceed. Our job is confirming every signature is correctly witnessed, journaled, and sealed — not evaluating the deal.
I am not an attorney licensed to practice law in the State of Florida, and I may not give legal advice or accept fees for legal advice.
Itemized fee structure
Every invoice shows notarial-act count times per-act rate on its own line; travel, platform, and coordination fees are always broken out, never folded into one unbroken "closing fee" line.
| Line item | Rate | Basis |
|---|---|---|
| RON notarial act, first signature | $25 flat (at cap) | F.S. §117.275 |
| RON notarial act, each additional signature, same session | $20/act | Under cap |
| In-person notarial act | $10/act (at cap) | F.S. §117.05(2) |
| Mobile travel fee, first 20 miles | $14.50 flat minimum | Standard mileage rate — see /services/mobile-in-person-notary |
| Mobile travel fee, each additional mile beyond 20 | $1.45/mile (double the standard rate) | Same |
| Loan signing / closing packet (flat coordination + handling fee; acts and travel still itemized on their own lines) | $125-$175 + acts + travel | Industry comp range $75-$200 |
| RON platform/session coordination fee | $5-$15/session | Non-notarial carve-out, F.S. §117.275 |
| Rush/after-hours scheduling | +$25-$50 | Ancillary, disclosed before booking |
Title company / lender checklist
- Complete closing package sent at least 24 hours ahead when possible (same-day workable, less buffer)
- All signer names confirmed, including any signing under power of attorney or representative capacity (different notarial certificate language applies per F.S. §117.05(13)(b)-(c))
- Signing type confirmed: in person, RON, or hybrid
- Return method and deadline confirmed
- Any language accommodation or mobility limitation flagged in advance
Frequently asked questions
What is a notary loan signing agent?
A notary loan signing agent verifies each signer's identity, witnesses and notarizes every document in a closing package that requires it, and confirms the package is complete — without reviewing or advising on the loan terms themselves.
What happens at a loan signing appointment?
The notary receives and reviews the closing package in advance, verifies signer identity against a government-issued ID, executes each required notarization in sequence with the closing checklist, and returns the completed package by the agreed method.
What's the Florida notary fee cap for a real estate closing?
$10 per signature for an in-person notarial act, $25 per signature by RON (F.S. §117.05(2) and §117.275). Travel, document handling, and RON platform fees are separate, disclosed items outside the cap.
Can EMC handle a closing where one signer is out of state?
Yes — the remote signer participates live by RON, with the same identity verification and live witnessing as an in-person signer.
Does EMC review the loan documents for errors before the signing?
We confirm every required signature and notarization is accounted for, which catches missing signature lines or incomplete notarial blocks. We don't review loan terms or contract language; that's the lender's and closing attorney's responsibility.
Download the Real Estate & Loan Signing Packet
The full itemized fee table, closing-package checklist, and out-of-state-signer RON workflow, in one PDF for your ops or vendor-approval file.
Get the free title company signing packet →