There’s been a lot of talk lately about fully digital mortgage closings (called Remote Online Notarization, or RON). In simple terms, it means being able to sign and notarize your loan completely online instead of sitting down with a notary. Sounds great; faster, easier, and more convenient. That’s exactly what’s being pushed right now at a national level.
Where RON Is Already Being Used
The interesting part is most of the country already allows some version of this. States like Texas, Florida, Virginia, and New York have been using RON for a while, and many others have adopted it over the past few years.
Why It’s Not Fully Available Yet
But not every state is fully built out yet. For example: California has approved it but isn’t expected to fully roll it out for a few more years. On top of that, even the Mortgage Bankers Association (one of the biggest groups in the industry) said this is a “step in the right direction,” but also made it clear these changes will take time to actually implement.
What This Means for Mortgage Closings Todayttom line
Bottom line: we are moving toward a more digital mortgage process, but it’s not happening overnight. Because rules vary by state, counties, and lenders, most closings today are still in-person or hybrid.
When Will Digital Closings Become Common?
Over the next few years (think 2026–2027), you’ll see more digital closings become common, just not all at once.
Questions About Your Next Loan?
If you have questions about how this affects your next purchase or REFI, reach out anytime; happy to walk you through what to expect.
