I'm often asked, "Do I really need multiple loan signing agent certifications? There are so many out there, which ones do I really need?"
The answer is that you only really need two.
While there is yet to be one authoritative loan signing certification the whole entire industry recognizes, there are two certifications that command respect and will give you the knowledge and skills to become a top notary public loan signing agent.
The two certifications you’ll need as a notary public loan signing agent are the National Notary Association (NNA) certification and the Loan Signing System loan signing agent certification.
The first reason you should have both is because various signing agent databases and mortgage professionals recognize these two certifications.
Most importantly, however, they are two separate and distinct certifications that compliment each other to give you the knowledge and skills required to become a top loan signing agent.
To see why each is unique and why it’s important to have both, you need to understand what both certifications are trying to teach you.
Let's start with the NNA.
To understand what their certification is about, let’s talk about their company mission and history.
The National Notary Association was established in 1957 to provide notaries with “education, guidance, resources, tools, and advocacy.”
They collaborated with Yale Law School to create the Uniform Notary Act in 1973 that nearly every state has adopted.
The National Notary Association has five primary goals:
In a nutshell, the National Notary Association is focused on the legal and compliance aspects of becoming a notary public and, as a result, is the premier educational institution that teaches Americans how to pass each state's notary commission test and learn the laws behind becoming a loan signing agent.
And this is exactly how the NNA approaches their signing agent training. Their certification ensures that you know all the signing agent laws - the basic do’s and do-nots.
There was so much fraud during the real estate boom that mortgage professionals are now quite fearful of hiring potentially fraudulent notaries.
And that is why more and more title companies require an NNA certification.
This is also the reason why the NNA requires a background check before issuing their certification.
It’s important to note that you can pass their 40-question certification test, but if you do not pass the background check, you do not become an NNA certified signing agent.
That alone supports the fact that the NNA certification is aimed first and foremost to ensure that loan signing agents know the laws and aren’t fraudulent. Once again, The NNA’s concern is primarily focused on the previously-stated five goals and mission - “Compliance with state laws and avoidance of liability exposure.” This is why I encourage you to get the National Notary Association certification.
AND it's for this exact reason that you also need to take the Loan Signing System certification.
It is the complementary certification that teaches you what the NNA does not - and that is all the skills necessary for you to be a top-producing loan signing agent.
The NNA cannot possibly teach laws and regulations AND coach you on how to answer the most frequently-asked questions almost all borrower have, how to go through every loan document, or how to actually get loan signing business.
If they tried teaching these fundamentals skills, they would have to triple the size of their course. And quite frankly, teaching you how to do a perfect signing and how to get business isn't their specialty.
Fortunately, it is the Loan Signing System’s specialty.
While the NNA certification focuses on the legalities of doing loan signings, the Loan Signing System prioritizes teaching you, step-by-step, how to actually become a loan signing agent. Our only mission is to educate you in the art of how to execute a loan signing flawlessly.
From making the appointment, to walking a borrower through an entire set of loan documents in the most efficient manner possible, to answering frequently-asked questions, to getting repeat loan signings, to how to package loan documents, you will learn everything you need to know in order to become an expert loan signing agent.
Think about it like this: the National Notary Association will teach you the rules of the road, what you can and cannot do, and the Loan Signing System will teach you how to drive the car.
And that is why we created the Loan Signing System - a certification which tells mortgage professionals that you are an expert loan signing agent who can do a loan signing perfectly.
Remember the five primary goals I mentioned previously that the NNA aims to achieve?
Did you notice that “Becoming a Top Loan Signing Agent” wasn’t one of them? Teaching you how to become a top loan signing agent is our only goal.
I'll wrap up with this: I tell my students all the time that loan signing agents have the potential to make as much per hour-long appointment as an attorney, a chiropractor, or a physical therapist. These are highly paid professionals that take their specialized skills and knowledge seriously.
As such, they continuously educate themselves so they can provide the best service possible to their clients and maximize their income potential. Shouldn’t you do the same?
Having both certifications at the minimum will make you a more educated signing agent. Click the link below to get the certification that will teach you how to become an expert loan signing agent!
I’m Mark I teach the Loan Signing System, and I look forward to helping you become a top loan signing agent.
About the Author
Mark Wills is the course instructor of the top rated Loan Signing System agent training course. He has been an active professional loan signing agent for nearly 15 years and owns a loan signing service that does thousands of signings a year.