Borrower Requirements & Preparation for Completing a Full eClosing

RON Signer Suitability & Readiness Questionnaire 

RON is a convenient and ideal option for many loan closings. To use RON, the signers must be both willing AND suitable for connecting with an online notary.   

All signers (borrowers and non-borrowing signers) must complete the RON meeting. If any signer is not able or willing to connect with an online notary, the transaction will be blocked and must be converted to an in-person signing.

To best prepare your signers, here are helpful guidelines for suitability & readiness. 

What is Signer Suitability? 

To participate in a RON transaction signers must be able to meet the Legal and Technical Requirements for online notarization.  Factors to consider if a signer is suitable for a RON experience.  

1. Identity verification - Knowledge-based Authentication (KBA) is a Legal requirement that must be met to meet with an online notary.  The KBA process uses Name, SSN, Recent US Address to generate random questions from credit history and public records.   Signers that do not have US issued SSN or sufficient credit history (minimum 6 months) will not be able to generate questions to complete the KBA process. 

2. Personal credentials - Signers must present valid and unexpired US Government-issued identification (sometimes 2 forms will be needed). These credentials must be captured on camera and also visually inspected by the notary.

3. Technology Comfort - Signers must be comfortable with using technology to actively participate in a meeting with both Audio & Visual capability.  They must have access to a stable, strong internet connection and be able to activate both camera and microphone on their device to interact with the RON notary. 

4. English as Second Language (ESL) - If a signer is not a native English speaker they may have difficulty understanding or interacting with the online notary.  Any questions or prompts from the notary that cannot be answered or completed successfully may require the notary to terminate the online meeting. 

5. Transactional Savvy - Signers should be comfortable and ideally experienced with the    mortgage closing process.  The Online notary is only permitted to explain the purpose of each document to be signed. The notary is prohibited from providing opinions or explaining any of the terms or conditions set forth in the closing package.  Signers that have many questions or any uncertainty are not well suited for a RON closing.  

Is your Signer Ready for their RON meeting? 

Remember ALL signers on a RON closing must meet this criteria, not just the primary borrower. Please use this checklist to ensure your signer is prepared and ready to successfully connect with the RON notary:

❏ Identity Validation: 

• Individual email address 
• Social Security Number 
• A current/previous US residential address where they lived for at least 6 months
• Personal mobile telephone number (to receive prompts & notifications) 
• At least one of the following forms of identification - must include a  photographic facial image and be unexpired: 

  • U.S. State-Issued Driver’s License 

  • U.S. State-Issued Photo ID 

  • U.S. Passport Book

❏ Technology: 

• Device with audio/visual capabilities (i.e. microphone, speakers, and camera). Approved devices include:  
  • Desktop with camera 
  • Laptop with camera
  • Tablet with camera
  • Mobile phone
• Strong, stable internet connection/Wi-Fi connection 

  • Approved internet browser (Google Chrome, Mozilla Firefox, Edge, Safari- web)

• Device should not connect through VPN or have extended security
      settings (this is most common on company/work devices)

❏ General:

• Confidence and competency with technology
• Confidence and competency with the English language
• Will this closing require a witness? If yes, see #5 on the Common RON Signer FAQs below

Support & Resources: 

For questions about a transaction or the RON process, please contact Snapdocs Support:

• Email: support@snapdocs.com

• Phone: (833) 762-7362

• Knowledge base: https://www.support.snapdocs.com 

For technical questions or issues connecting with RON meeting, please contact Proof/Notarize Support:

• Email: support@proof.com

• Phone: (888) 483-4330

• Knowledge base: https://support.proof.com/hc/en-us

Common RON Signer FAQs 

• Do all signers have to meet the Readiness requirements? Yes!
• I will be out of the state/country when signing, is that ok?
  • Yes! Except for a few select countries (Cuba, North Korea, Iran or Syria), as long as all signers can meet the readiness requirements and have a stable internet connection, they are good to close via RON.

• 1. 1. For multiple signers, do we all have to sign in the same meeting with the notary? No! There are a few options:

        1. Sign together: signers choose to meet in the same notary session

           1. Can happen on one device or multiple devices

           2. Can happen in one location or multiple locations

              1. For signers joining the same session from multiple locations, please see Complete Your Online Closing with Multiple Signers

        2. Sign separately: signers choose to meet in different notary sessions

           1. Concurrent: each signer has their own session, one right after the other

           2. Open: signers log on when most convenient for them regardless of other signer’s sessions

• I’ll be located outside of the standard US time zones, is this an issue?
  • No! We have notaries available 24 hours a day available to meet with you.  The average wait time is 10 seconds or less, however if it is after normal business hours (12am-6am EST), the wait may take between 6-10 minutes.

• My closing requires a witness, what does that mean?
  • This means that a person outside of the parties on a closing must witness you sign your documents.  They will have to be provided by the signer(s) , in the same physical location as the signer(s) during the closing, and must show a valid ID on-camera.  If multiple signers must be witnessed, each signer will have to join their own notary session with the witness in concurrent signings.