Quick Answer
Remote Online Notarization (RON) allows a commissioned notary to notarize eligible documents via approved audio-video technology without the signer and notary being physically present in the same location. Availability depends on state law, lender requirements, title company policy, and recording office acceptance.
Remote Online Notarization has become an increasingly popular option for real estate closings. It combines the convenience of remote signing with the legal formality of notarization. Here is how it works and what to expect.
How Does RON Work?
- The parties connect via a secure platform: The signer, notary, and sometimes other participants join a live audio-video session through an approved RON platform
- Identity is verified: The notary verifies the signer's identity using methods allowed under state law, such as knowledge-based authentication questions and reviewing a government-issued ID
- Documents are presented and signed: The signer reviews and signs the documents electronically during the session. The notary witnesses the signing via the video feed
- The notary applies their electronic seal: The notary completes the notarization with their electronic seal and digital certificate, and the platform creates a record of the session (audio-video recording and audit trail)
- Completed documents are returned: The signed and notarized documents are delivered to the title or escrow company for processing and recording
Is RON Legal Everywhere?
RON is authorized in many states but not all. Even where RON is legal, some lenders, title companies, or recording offices may not accept RON-signed documents for certain transaction types. Depending on the jurisdiction, there may be specific requirements about which documents can be notarized remotely. Always verify RON availability with your title company and lender before planning a RON closing.
Is RON the Same as Electronic Signing?
No. Electronic signing (e-signature) allows you to sign documents electronically without a notary. RON includes a live notarization via video. Some documents can be electronically signed; others require notarization. RON handles documents that require a notarized signature.
Why Do People Like RON?
RON offers several advantages for real estate closings:
- No travel required for the signer or notary
- Convenient scheduling, often available outside traditional business hours
- Faster document delivery than mail-away signing
- Reduced need for paper documents
- Built-in identity verification and audit trail
What Documents Can Be Signed via RON?
Eligible documents vary by state and transaction. In many states, deeds, deeds of trust, affidavits, and other real estate documents can be notarized remotely. Some states have restrictions on certain document types such as wills or powers of attorney. Your title company can advise which documents in your transaction are eligible for RON.
Key Takeaway
RON uses secure audio-video technology to connect a signer with a commissioned notary remotely. It offers convenience and flexibility, but not every transaction or document type qualifies. Confirm eligibility early with your title company and lender.
FAQs
Is RON secure?
RON platforms are required to meet security standards that include identity verification, encrypted video sessions, and secure storage of the audio-video recording and audit trail. These measures are designed to prevent fraud and ensure the integrity of the notarization.
Does RON cost more than in-person notarization?
RON typically involves additional technology and platform fees compared to traditional notarization. The exact cost depends on the platform and the volume of documents. Ask your title company for a cost comparison.