Digital Closing Resources for Mortgage Lenders

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