Online Mortgage Loans May Be Legal All Over the US Soon: What You Need to Know

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A newly introduced bill in the House of Representatives would allow all 50 states to use an online notary. (iStock)

Digital mortgage closings are on the rise, especially in 2020 after states issued stay-at-home orders and many operations had to be performed remotely. But while some states allow remote online notarization (RON), or the ability to take out a home loan from any device with an internet connection, other states oppose it.

Recently Members of Congress introduced a new account that would immediately make notarized remote control legal in all 50 US states. Representatives Madeleine Dean, D-Penn., and Kelly Armstrong, RN.D., along with 31 other members of the United States House of Representatives, reintroduced the bipartisan Securing and Enabling Trading Using External and Electronic (SECURE) Notarized Law of 2021, HR 3962.

Obtaining a mortgage has become easier than ever as 2020 accelerated the adoption of allowing a notary to perform a notarial deed remotely in many states individually. Virginia was the first state to pass RON legislation in 2011, but other states joined years later with much more legislation in 2019 and 2020. If you want to buy a home and see what your options are, visit Credible to compare multiple lenders at once.


Currently, 29 states have some form of permanent RON legislation in force which allows a notary to notarize documents online, and another 19 deployed temporary RON emergency authorizations when COVID-19 struck. In fact, only two states do not allow remote notarization: California and South Carolina.

“There is a need and demand for this approach to notarization across the United States,” said Diane Tomb, CEO of the American Land Title Association. said in a statement. “The SECURE Notarization Act enables businesses and consumers to export critical documents using two-way audiovisual communication.

“Current requirements for a signer to be physically in the presence of a notary are often impractical and sometimes impossible due to the social distancing restrictions imposed by the COVID-19 pandemic, as well as other roadblocks to in-person signing. such as foreign military service and time constraints,” Tomb said.

Previously, Sens. Kevin Cramer, RN.D., and Mark Warner, D-Va., reintroduced the SECURE Notarization Act of 2021 in the Senate on May 13, 2021.

Because many states allow remote real estate closing, taking out a mortgage is much easier than ever before, with many homebuyers asking to simply use an online notary to notarize documents and take out their mortgage. Visit credible to compare your mortgage options and find your interest rate.


Buying digital homes is on the rise and grew by significant numbers in 2020. The use of virtual notarized validation increased 547% in 2020 compared to 2019 as demand increased, more states passed legislation permitting it and more technology was developed, according to a survey from ALTA.

Companies specializing in online notaries, such as Notarize, also saw significant increases as homebuyers moved away from using a traditional notary. In 2020, the company experienced approximately 600% annual sales growth.

Are you thinking about taking out a mortgage and want to see what options are available to you? visit Credible to compare multiple lenders at once.


“The SECURE Notarization Act is essential to support new homeowners and would help apply a measure of discretionary discretion to the flow of critical real estate closing activities as Americans begin to fully emerge from the pandemic,” said Bill Killmert, Mortgage Bankers Association senior vice president of legislative and political affairs.

Are you thinking about taking out a mortgage online? Or are you in a different phase of the buying process? Contact credible to speak to a mortgage expert and get all your questions answered.

Do you have a financial question, but don’t know who to ask it? Email The Credible Money Expert at: and your question can be answered by Credible in our Money Expert column.

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