Proof

Hybrid Closing Overview

A hybrid closing involves eSigning non-notarized documents online via Proof before an in-person meeting where the closing agent prints and oversees wet-signing of notarized documents, then sends the completed package to the lender, requiring a device with internet, a U.S. Social Security number, and photo ID.

The short answer: A hybrid closing splits your documents into two groups — some you eSign online through Proof before your closing, and the rest are printed and wet-signed at an in-person meeting with your closing agent.

What you'll need

  • A computer or mobile device with internet access to complete the online portion.
  • A U.S. Social Security number and government-issued photo ID may be required, depending on your transaction's identity verification requirements.

How it works

1. eSign your documents online

Before your in-person closing, you'll receive a link from Proof to review and eSign the documents that don't require notarization. Complete these online at your own pace before your scheduled meeting with your closing agent.

2. Attend your in-person meeting

The closing agent — whether that's a title agent, mobile notary, or someone working with your lender — is responsible for printing all documents that need to be wet-signed and bringing them to your in-person meeting. At the meeting, they'll confirm that your eSigned documents are complete. If they are, you'll move on to wet-signing the remaining documents. If they aren't complete for any reason, the entire package will be wet-signed at the meeting instead.

3. The title agent sends the completed package

After the meeting, your closing agent will scan and email the completed wet-signed documents to the lender and mail the physical copies as usual. If your closing is being handled by a lender or title agent, they can also upload the wet-signed documents directly to the Proof platform in addition to mailing them.

Summary Checklist

  • Have your Social Security number and a government-issued photo ID ready.
  • Complete your eSigning online through Proof before your in-person meeting.
  • Attend your in-person meeting with your closing agent to wet-sign the remaining documents.
  • Your closing agent will send the completed package to the lender after the meeting.

Still unsure? Reach out to your lender, title agent, or mortgage broker for guidance on your specific closing, or contact Proof Support for help.

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