Online Mortgage Fences May Soon Become Legal in the US: What You Need to Know


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

Digital mortgage closings have increased, especially in 2020 after states issued stay-at-home orders and many transactions had to be done remotely. But while some states allow remote online notarization (RON) or the ability to close a mortgage from any device with an internet connection, other states oppose it.

Recently members of Congress introduced a new bill this would make remote notarization instantly legal in all 50 US states. Representatives Madeleine Dean, D-Penn., And Kelly Armstrong, RN.D., along with 31 other members of the House of Representatives reintroduced the bipartisan Securing and Enabling Commerce Using Remote and Electronic Notarization Act, 2021 (SECURE), HR 3962.

Obtaining a mortgage has become easier than ever as 2020 accelerated the acceptance of allowing a notary to perform remote notarization in many states individually. Virginia was the first state to pass RON legislation in 2011, but other states joined years later with many more laws in effect in 2019 and 2020. If you’re looking to buy a home and see what your options are , visit Credible to compare several lenders immediately.


At present, 29 states have some form of permanent RON legislation in place that allows a notary public to legalize documents online, and 19 others put in place temporary emergency RON permissions when COVID-19 hit. In fact, only two states do not allow remote notarization: California and South Carolina.

“There is a need and a demand for this approach to notarization across the United States,” Diane Tomb, CEO of the American Land Title Association. said in a press release. “The SECURE Notarization Law allows businesses and consumers to execute critical documents using two-way audio-visual communication.

“The current requirements for a signatory to be physically in the presence of a notary are often impractical and sometimes impossible due to social distancing limitations resulting from the COVID-19 pandemic, as well as other barriers to signing in person like overseas military service and time constraints, ”Tomb said.

Previously, Senators Kevin Cramer, RN.D., and Mark Warner, D-Va., reintroduced the SECURE notarization law of 2021 in the Senate on May 13, 2021.

With many states allowing remote home fencing, closing a mortgage is much easier than ever, with many homebuyers able to apply to simply use an online notary to authenticate documents and close their home loan. Visit Credible to start comparing your home loan options and finding your interest rate.


The purchase of digital homes has increased, increasing significantly in 2020. The use of virtual notarization increased by 547% in 2020 compared to 2019 as demand increased, more states allowed it and that more technologies were being developed, according to a ALTA survey.

Companies specializing in online notarizations, such as Notarize, have also seen significant increases as homebuyers move away from using a traditional notary. In 2020, the company experienced approximately 600% annual growth in turnover.

If you are considering taking out a mortgage and want to see your options, visit Credible to compare multiple lenders at once.

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“The SECURE Notarization Act is essential in supporting new homeowners and would help apply transactional freedom to the flow of essential real estate closure activities as Americans begin to fully emerge from the pandemic,” says Bill Killmert, Senior Vice President of Legislative and Policy Affairs of the Mortgage Bankers Association.

Are you considering closing a mortgage loan online? Or are you at a different point in the home buying process? Contact Credible to speak to a mortgage expert and get all of your questions answered.

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