EXOS: Virtual Closing Options for All 50 States

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Virtual closing options for all 50 states

Remote Online Notarization (RON) Video Notarization (RIN) EXOS Virtual Close
Scheduling With EXOS, the borrower digitally schedules their virtual closing appointment for the exact date and time of their choice.
How It Works The borrower and notary have a video closing session, of sight and sound, using specialized remote online notary platforms. The borrower eSigns all closing documents and the notary eNotarizes them. The borrower and the notary video conference. The borrower physically signs documents while notary observes via video conferencing. The borrower mails signed documents to the notary, who physically notarizes them immediately upon receipt. The borrower physically signs an LPOA in the presence of a notary and sends it to ServiceLink. The rest of the closing is virtual.
Availability AK (effective 1/1/21), AZ (Effective 7/1/20), FL, ID, IA (effective 7/1/20), KY, MA, MD (effective 10/1/20), MI, MN, MO, MT, NC, ND, NE (effective 10/1/20), NJ, NV, OH, OK, OR, PA, SD, TN, TX, UT, VA, VT, WA (effective 10/1/20), WI AL, AR, CO, CT, DE, D.C., GA, HI, IL, KS, LA, ME, MS, NC, NH, NJ, NM, NY, PA, RI, and WV All 50 states and D.C.
Physical Signature Required The borrower must physically sign the Note if included in closing package. The lender must facilitate the signing of the Note. The borrower physically signs all closing documents while video conferencing with notary. The borrower must “wet” sign an LPOA in the presence of notary.
Technology Used ServiceLink’s technology partners Microsoft Teams or other accepted video conferencing technology EXOS Virtual Close
eSigning Yes No Yes: The borrower “wet” signs an LPOA that says ServiceLink will sign and execute documents on their behalf.
eNotarization Yes No: the notary physically signs all documents after receiving them by mail. No