Loan Signing
How long does a loan signing take?
Quick Answer
A typical loan signing takes 45-90 minutes. Refinances usually take 45-60 minutes, while purchase closings with more documents may take 60-90 minutes.
The duration of a loan signing depends on the type of transaction and the number of borrowers:
- Refinance: 45-60 minutes (fewer documents than a purchase)
- Purchase closing: 60-90 minutes (full loan package plus title documents)
- Reverse mortgage: 60-90 minutes (extensive disclosure requirements)
- HELOC or second mortgage: 30-45 minutes (smaller package)
- Multiple borrowers: Add 15-30 minutes per additional signer
Tips to speed up your loan signing:
- Review any documents sent in advance by your lender
- Have your valid photo ID ready
- Bring a second form of ID as backup
- Ask your lender or title company any questions about terms before the signing
- Ensure all borrowers are present and on time
NotaryLTD's signing agent, Debbie Cuha, has 30+ years of experience and keeps signings efficient while ensuring every document is properly executed. We travel to your preferred location across the Wasatch Front.
Schedule your loan signing: 435-565-1333.
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