How To Become a Loan Signing Agent in Georgia

By Jordan Fabel •  Updated: April 26, 2022  •  8 min read  •  Real Estate
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Becoming a loan signing agent in Georgia is a great way to earn a living. Many signing agents work part-time and earn a very nice income. It’s possible to earn $100 per hour in this type of career if you work for yourself.

Of course, you can also become a loan signing agent in Georgia and work for an employer. Either way, it’s important to understand the job duties and the steps involved. Let’s look at how you can become a loan signing agent in Georgia.

Job Duties of a Loan Signing Agent in Georgia

As a loan signing agent in Georgia, you will be a notary public. This means you will be able to notarize documents when you witness the signing of those documents. Some of the most common job duties as a loan signing agent include:

A loan signing agent will never provide legal advice, but you can explain the terms on loan documents. These job duties are the most common you will find in this career. You will spend most of your time at a closing table working with borrowers buying homes and refinancing their mortgages.

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How To Become a Loan Signing Agent in Georgia in 5 Steps

Step #1 – Meet the Basic Qualifications

In the state of Georgia, you have to be at least 18 years of age to become a loan signing agent. you will also need to be a U.S. citizen or legal resident. It’s also necessary to be a resident in the country where you will file your application.

If you’re not a Georgia resident, you will need to be a resident of one of the following states:

You can also be regularly employed in a Georgia county where you plan to apply.

Along with these requirements, you will need to read and write English.

Step #2 – Submit Your Notary Commission Application

You will need to fill out and submit your notary commission application to the Georgia Superior Court Clerks Cooperative Authority. This is a pretty straightforward application, but make sure your information is correct. You will also need to pay a registration fee of $36 to $51, depending on your country.

Part of the application to become a loan signing agent in Georgia is the two endorsements you will need. These are character endorsements that need to include information about the person. They cannot be a family member or your employer and they must be 18 years of age and a resident of the county where you are applying.

Step #3 – Take the Oath

You will need to get an oath of office in front of an officer authorized to administer oaths. This is commonly done in front of a notary public.

After your application has been approved, you will be issued the notary commission. This should be reviewed to ensure it’s correct.

Step #4 – Get Your Notary Seal

You will need a notary seal to work as a loan signing agent in Florida. This seal will be used whenever you witness signatures on documents. A notary seal can be purchased from an office supply store in Georgia. It can be any size or shape you prefer.

Step #5 – Keep a Notary Journal

The state of Georgia does not require you to keep a notary journal, but it’s a good practice. Keeping accurate records of the notary acts you complete will help keep your business running. It gives you proof of the steps you have taken to identify a signer of a document.

Each entry should include the following:

You want to keep each entry in your notary journal for at least ten years.

These are the only steps you need to complete to become a loan signing agent in Georgia. Unlike many other states, you won’t have to complete any type of course or get a surety bond. It’s pretty easy to become a loan signing agent in the state of Georgia.

Frequently Asked Questions About Becoming Loan Signing Agent in Georgia

How much can I make as a loan signing agent in Georgia?

If you decide to become a loan signing agent in Georgia, you will earn an average yearly salary of about $47,170, according to ZipRecruiter.com. The range of salaries goes from about $18K to $87K per year.

The median salary, according to Salary.com, is $38,244. They put the salary range at about $36,556 to $58,115. The salary numbers may not be fully accurate as many people only work part-time as loan signing agents in Georgia.

You can earn $75 to $200 per signing appointment with the right training. If you run your business well, you can make more money working for yourself.

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How will I be paid as a loan signing agent?

Most loan signing agents will be paid per appointment. However, some may be employees working for a company. It’s more common for a loan signing agent to get paid for each completed appointment.

Once the mortgage has been signed, you will get paid. Sometimes, it also depends on whether the mortgage goes through or not. Good loan signing agents can be well compensated by title or escrow companies since their income depends on the success of the mortgage.

How much can I charge as a loan signing agent in Georgia?

As a loan signing agent, you can charge anywhere from $75 to $200 per appointment. Each appointment will take around two hours. You can also charge extra for additional travel, printing documents, or other services you can provide.

Am I allowed to perform remote online notarization in Georgia?

While you might be able to perform remote online notarization in Georgia due to emergency rules, this may not always be the case. It may be temporary. It’s best to check the State Bar of Georgia website to find out more information.

Do I need any type of education to become a loan signing agent in Georgia?

No, you can become a loan signing agent without any type of education. However, if you want to grow your business, it’s best to get the right training. With the right training course, you can learn what is expected as a notary public and how to grow your loan signing business.

A good training course will only take a few hours or less to complete. Then, you can take an exam and gain certification. This will also give you a credential to help show you can be trusted with closings.

What is the cost to become a notary in Georgia?

The cost to become a loan signing agent in Georgia starts at around $93. This is the cost to become a notary and includes:

You may also want to buy E&O insurance to protect yourself and you may need to pay for additional supplies.

Am I allowed to be a notary in Georgia if I am a felon?

You may struggle to become a loan signing agent if you have a felony on your criminal record. A notary is supposed to be a trustworthy person with integrity and credibility. This is what the Georgia Clerk of Superior Court is looking for.

While having a felony on your record doesn’t automatically disqualify you, it can make it harder. The Georgia Clerk of Superior Court will handle these applications on a case-by-case basis.

How long will it take me to become a loan signing agent?

You can get your notary through the Georgia Clerk of Superior Court in about ten days, sometimes less. The turnaround is very quick compared to other states. Then, all you have to do is take the oath of office before a notary public. You can become a loan signing agent in Georgia in about two weeks.

Will my Georgia notary work out of state?

No, you can only use a Georgia notary inside the state of Georgia. Once you leave the state, your notary is no longer good in the new state.

Will I need to renew my notary commission in Georgia?

Yes, every four years, you will need to renew your notary commission. If you already have a profile on the Georgia Clerk of Superior Court website, you can renew it through the online system. You will need to pay the appointment fee and take the oath of office, again, however.

Make sure you do this in advance so your notary commission doesn’t expire. You won’t need to change your notary seal since the expiry date is not on these seals in Georgia.

Becoming a loan signing agent in Georgia is a great way to earn a living. If you’re looking for a new career, consider this one.

Jordan Fabel

Jordan Fabel

Covering different 'paths' that people's lives can take. Creative, foster parent, ticket dismissal, you get the idea. Exploring the requirements, certifications, exams, and obviously, approved courses along each path. I, personally, am the high school dropout son of two teacher parents. So how did I get here? That story is coming soon!