Digital Closing Resources for Mortgage Lenders
The content provides mortgage lenders with comprehensive digital closing resources through Proof, including explanations of remote online notarization (RON), borrower preparation, operational workflows, strategic rollout guidance, and title process management to help lenders confidently implement and scale digital mortgage closings.
Welcome to Proof!
Mortgage lenders adopting digital closings often have questions about how remote online notarization works, how borrowers prepare for signing, and how the closing process changes in a digital environment.
The resources below walk through each part of that experience, from foundational concepts to operational workflows.
Some explain how remote online notarization works and why lenders are adopting it. Others focus on practical topics like borrower readiness, eligibility requirements, recording considerations, and closing operations.
Together, they provide the context lenders need to evaluate, implement, and scale digital closings with confidence.
Intro to Proof
An overview of Proof, how the platform supports mortgage transactions, and how digital closings fit into the broader mortgage ecosystem.
Start here if you are new to Proof or need a high-level introduction before reviewing operational documentation.
What is Remote Online Notarization (RON)?
A foundational explanation of remote online notarization and how digital notarization works in a mortgage closing.
Use this resource to understand the core concept of RON and how the notarization process works in a digital closing environment.
End-to-End Process Workflow
A step-by-step overview of the digital closing workflow, from document preparation through notarization and document return.
Use this guide to understand how a digital closing moves through the transaction lifecycle and where Proof fits within the process.
Rolling Out a RON Strategy
A strategic guide for lenders implementing remote online notarization, including operational considerations and rollout best practices.
Use this resource when planning or scaling a RON program across your organization.
Understanding the Title Process with Proof
An overview of how title teams manage transactions, documents, and communication during a digital closing. It explains how title agents upload documents, coordinate with lenders, receive notifications as the transaction progresses, and access completed files after signing.
Use this resource to understand how your title partners operate within a digital closing and what to expect as the transaction moves from document preparation through completed records.
Title Company Roll Out Communication
Example communications lenders may use when introducing remote online notarization to title partners or coordinating transactions involving digital closings.
Review these examples to understand how remote online notarization is typically introduced during rollout and how lenders may coordinate with title partners.
Preparing Signers for Remote Online Notarization
Guidance on preparing borrowers for the digital closing experience, including technology requirements, identity verification, and signing expectations.
Use this guide to ensure borrowers are ready for a remote notarization session and to reduce day-of-closing disruptions.
Signer Eligibility, Technology Requirements, and Identity Verification
An overview of the requirements borrowers must meet to complete a remote notarization session, including identity verification steps and device readiness.
Use this resource when evaluating whether a borrower can successfully complete a remote online notarization session.
eRecording Counties and Loan Eligibility
Guidance on determining whether a loan and recording jurisdiction are compatible with digital closing workflows.
Use this resource when confirming whether a transaction can proceed as a digital closing based on county recording requirements.
Proof Recording Policies and Access
Documentation explaining how recording and document access work within the Proof platform.
Use this resource when reviewing how completed closing documents are stored, accessed, and recorded.
Closing Operations (CLOPs)
An overview of Proof’s Closing Operations team and how document packages are prepared for remote notarization.
Use this guide to understand the operational preparation that happens before a closing session.
Proof Lender Settings
A configuration guide explaining how lenders manage settings and administrative controls within the Proof platform.
Use this resource when setting up or managing your organization’s configuration in Proof.
Remote Online Notarization (RON) FAQ for Lenders
A detailed FAQ covering how remote notarization works, including the signing session, identity verification process, notary requirements, and compliance considerations.
Reference this document when operational or compliance questions come up about how remote online notarization works in practice.
Priority Level
Conditions
- Level 1: Critical Business Impact. The Incident seriously affects the functionality of the Services (or component thereof) and cannot be circumvented such that most of the significant functionality of the Services (or component thereof) is available.
- Level 2: Significant Business Impact. The Incident partially affects the functionality of the Services (or component thereof), but can be circumvented so that most of the significant functionality of the Services (or component thereof) is available.
- Level 3: Minimal Business Impact. The Incident can be circumvented such that the Services (or component thereof) can be used with only slight inconvenience. The problem can be considered insignificant and has no significant effect on the usability of the Services (or component thereof).
Conditions for Closure of Help-Desk Ticket
- Level 1: The Incident is considered resolved and closed when an Incident Resolution has been fully implemented.
- Level 2: The Incident is considered resolved and closed when an Incident Resolution has been fully implemented.
- Level 3: The Incident is considered resolved and closed when one of the following occurs: (i) an Incident Resolution has been fully implemented, or (ii) 10 business days have elapsed since Proof’s communication of the information that Proof reasonably believes will resolve the Incident (communicated by email to Subscriber’s designated contact for such Incident), and Subscriber has not responded to Proof. The Incident can be reopened later if it has not been resolved.
Cumulative On-Demand Notary Availability Downtime (in a given calendar month as measured by Proof monitoring systems, converted to minutes)
- Up to 240 minutes: No On-Demand Notary Downtime Credit
- 241-360 minutes: 1%
- 361-480 minutes: 3%
- 481-600 minutes: 5%
- 601 minutes or greater: 7%
Platform Availability Percentage (in a given calendar month as measured by Proof monitoring systems)
- 99.9% or higher: No Platform Downtime Credit
- 97% - 99.9%: 1%
- 95% - 97%: 3%
- 93% - 95%: 5%
- Below 93%: 7%
Incident Priority
| Incident Priority | Acknowledgement Time (During Business Hours) | Provision of Incident Resolution or Interim Process | If Interim Process is provided, Maximum Timeframe for Provision of Incident Resolution |
|---|---|---|---|
| Level 1 | 1 hour | 8 hours | 36 hours |
| Level 2 | 4 hours | 24 hours | 5 days |
Related
Proof Legal Glossary
The Proof Legal Glossary, last updated June 19, 2026, defines key terms related to Proof's digital notarization and certification services, including fees, legal entities, API access, electronic signature laws, notary regulations, business definitions, service capacities, and specific platform features like Certify and Close for securing digital content and conducting real estate transactions remotely.
Proof Security Statement
Proof's Security Statement, last updated January 22, 2024, details that Proof implements and maintains comprehensive technical, physical, and organizational security measures compliant with multiple rigorous frameworks—including AICPA Trust Services Criteria (SOC2), NIST SP 800-53 Rev 5 at moderate level, WebTrust, Massachusetts CMR 17.00, and PCI DSS via third-party processors—and meets additional legal requirements such as HIPAA and FERPA, all validated through annual audits and assessments to protect user data from unauthorized access, disclosure, alteration, loss, or destruction.
Legal Terms Update (16 December 2024)
The Legal Terms Update dated December 16, 2024, defines incident priority levels based on business impact, specifies conditions for help-desk ticket closure, outlines credit percentages for On-Demand Notary and Platform availability downtime per calendar month, and includes incident priority response times.
Subscriber Supplement
The Subscriber Supplement, effective March 31, 2026, outlines terms for Subscribers accessing Services via Subscription Plans, specifying non-exclusive, non-transferable use during the Subscription Period—defined by Order Form or site/app activation—with responsibilities for compliance, potential suspension for violations, and auto-renewal provisions for plans activated through Order Forms.
Template Service Description
The Template Service is a value-added offering governed by Proof's General Terms that automates transaction preparation by using subscriber-provided, sanitized, first-generation or searchable PDF sample documents to create standardized, automatically tagged templates, with subscriber collaboration and quality testing to ensure timely and minimal human interaction in document processing.
Proof Title Pro Technical Troubleshooting FAQs
The Proof Title Pro Technical Troubleshooting FAQs provide detailed guidance on contacting support—including required information, support hours, and contact methods—define priority levels for incidents based on business impact, and outline conditions for help-desk ticket closure to assist users in resolving account or transaction issues efficiently.