Loan Signing
What documents are in a loan signing package?
Quick Answer
A loan signing package typically includes the promissory note, deed of trust, closing disclosure, loan application, right to cancel, and various federal and state disclosures.
A loan signing package contains numerous documents required by your lender, title company, and federal/state regulations. While every package is different, most include:
Core loan documents:
- Promissory note: Your promise to repay the loan
- Deed of trust: Secures the property as collateral
- Closing disclosure: Final loan terms, costs, and fees
- Loan application (1003): Verified borrower information
Federal disclosures:
- Right to cancel (rescission notice) for refinances
- TILA (Truth in Lending) disclosures
- Fair lending and equal opportunity notices
- Patriot Act compliance forms
Title and insurance documents:
- Title insurance commitment
- Hazard insurance verification
- Tax and insurance escrow agreements
Most packages contain 75-150 pages. Your loan signing agent will guide you through each document in order. If you have questions about specific terms, contact your lender or title company before the signing. Schedule with NotaryLTD at 435-565-1333.
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