A Remote Online Notary (RON) session is completed entirely online. In this article, we'll show you what your borrower can expect and how to prepare them.
Ahead of the Closing
When the closing has been assigned to a Notary and the date has been scheduled, borrowers will receive an email with information to prepare for the session.
Borrowers can also see this information on the borrower Blend portal home screen as well as the contact information of the notary and their loan team.
Day of Close
Borrowers will receive a reminder email letting them know that their Closing appointment will be soon. The borrower or anyone joining the session can join via the link in the email or sign in directly to their Blend portal.
Tasks
Tasks that may be displayed for the borrower include Share Closing Preferences, Review Closing Documents, Sign Ahead Documents, and Sign Promissory Note.
When it is time to join their online notary session, borrowers will log into their Blend portal and go into the task Attend Closing Appointment.
Attend Closing Appointment
The borrower or any other party joining the online session can join as early as 15 minutes ahead of their appointment time. They will see this screen when it is time to join:
Borrower Device Requirements: Audio and Video (AV) requirements
Your borrower will need a photo ID (driver's license, state-issued or passport) and must join from a supported device. Please refer to Supported browsers and devices to ensure the borrower has a supported device or browser.
Your borrower has the option to join fully from their supported mobile device or with a combination of desktop computer and mobile device.
Borrowers will need to enable both their camera and microphone before accessing the signing room session.
| Mobile Requirements | Desktop Requirements |
If your borrower plans to join fully from a mobile device, it must have:
| If your borrower plans to join from a desktop computer, they must have:
|
ID Validation
The borrower will need to validate one of the following identifications: passport, driver's license, or ID. The below example is specifically for a driver's license.
Knowledge-Based Authentication (KBA) Questions
The next step is a set of knowledge-based authentication questions. The borrower will have 2 minutes to answer 5 questions.
The address will auto-populate with the current address that was listed previously in their application.
- The borrower can populate with a different previous residence if the current address is temporary or they have not lived there for very long.
- The borrower will have two chances to get 80% - they have to get 4 of 5 correct.
Note: If the borrower does not get 80% correct in two tries they will be locked out and will be unable to complete a RON session for the next 24 hours. This is not a Blend requirement and not a lender requirement. This is RON compliance. Please refer to your lender to determine protocol in the instance this happens to your borrower.
Once KBA is completed, the Notary will let the borrower into the signing room.
Blend Signing Room features
When the borrower enters the Blend Signing Room, the borrower will be able to see everyone in the signing room: the Notary, the Borrower, and any additional parties that have been included.
Participants - allows the borrower to see all parties that are in the signing room and the status of participants
Documents - allows the borrower to see all documents listed in the closing package and will update as documents are completed
Settings - allows the borrower to see their AV settings and make any adjustments as needed
In the signing session, the Notary will pass documents to the borrower to sign. The notary will then countersign.
When all documents are signed and the session is completed, the Notary will end the signing room session. The borrower will be taken back to their Blend portal. The signed documents will immediately be available and accessible from their Documents tab.
Tip: If the borrower has not completed their sign-ahead or documents in their Blend portal, this is a good chance for the Notary to remind the borrower to complete them.
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