If You Can’t Find These 14 Numbers in a Loan Package Instantly, You’re Not a Real Loan Signing Agent.
By U.S. Notary Authority — Nationwide Online Notarization & Loan Signing Services
Let’s get one thing straight.
A real Loan Signing Agent doesn’t “look around” a loan package.
They don’t hesitate.
They don’t flip aimlessly.
And they never ask, “Let me find that for you.”
They already know.
Because at the signing table, confidence isn’t optional — it’s the product.
This is the non-negotiable baseline.
These are the 14 numbers every professional LSA must be able to locate immediately, without explaining, interpreting, or crossing the legal line.
No fluff. No theory. No excuses.
1. Loan Amount
Primary Document: Closing Disclosure (CD) – Page 1, Loan Terms
Backup: Loan Estimate (LE) – Page 1; Note – first paragraph
What you say:
“Your loan amount is shown here.”
No commentary. No explanation. Just point and pause.
2. Cash Due at Closing
Primary Document: Closing Disclosure – Page 1
Line: Cash to Close
This is the number borrowers care about most — which means you need to find it instantly.
3. Interest Rate
Primary Document: Closing Disclosure – Page 1, Loan Terms
Backup: Note – title section (fixed or adjustable)
You are not explaining the rate.
You are showing where it lives.
4. Principal & Interest (P&I) Payment
Primary Document: Closing Disclosure – Page 1, Projected Payments
This is where borrowers start doing mental math.
Your job is to keep the room calm and moving.
5. Total Monthly Payment With Escrow
Primary Document: Closing Disclosure – Page 1, Projected Payments
Look for: Estimated Total Monthly Payment
Always separate P&I from total payment.
Professionals do. Amateurs don’t.
6. First Payment Date
Primary Document: Note – directly under the payment section
Backup: Closing Disclosure – Page 4 (Late Payment section)
Borrowers ask this every time.
You should never need to hunt.
7. Scheduled Last Payment Date (Maturity)
Primary Document: Note – last page
Label: Maturity Date
Short answer. Clear location. No commentary.
8. Prepayment Penalty (If Any)
Primary Document: Closing Disclosure – Page 1, Loan Terms
Line: Prepayment Penalty: Yes / No
Backup: Note – final paragraphs
You do not explain penalties.
You show whether one exists.
9. Late Fee Terms (If Any)
Primary Document: Note – payment section
Typical language:
“If payment is more than X days late, a fee of X% will be charged.”
Read. Point. Move on.
10. Who Is on the Deed
Primary Document: Deed / Deed of Trust / Mortgage – Page 1
This shows:
Legal owners
Vesting language
Never guess. Always show.
11. Scheduled Funding Date
Primary Document: Closing Disclosure – Page 1
Backup: Lender or Title Instructions
If it’s not on the CD, it’s in the instructions.
Every time.
12. Right to Cancel (RTC) — If Applicable
Primary Document: Notice of Right to Cancel (usually 3 copies)
Contains:
Signing date
Rescission deadline (11:59 PM on ___)
Cancellation instructions
🚫 Not applicable to purchases or investment properties.
13. Escrow Account Details
Primary Document: Closing Disclosure – Page 1 & Page 4
Backup: Initial Escrow Disclosure
Shows:
Monthly escrow deposits
Total escrow collected at closing
This is where confusion dies if you know where to point.
14. Closing Costs (CD / HUD)
Primary Document: Closing Disclosure – Pages 2–3
Sections A–J include:
Loan costs
Title fees
Government & recording fees
Prepaids & escrows
Older files: HUD-1 (line-item format).
👀 BONUS: Where Every Critical Item Lives (At a Glance) 👀
This is what professionals memorize — not scripts, locations.
THE FINAL BOSS SIGNING TABLE SCRIPT (given in next section)
Loan Amount → CD Pg 1
Interest Rate → CD / Note Pg 1
P&I Payment → CD Pg 1
Total Payment → CD Pg 1
First Payment Date → Note Pg 1–2
Maturity Date → Note Final Page
Prepayment Penalty → CD Pg 1
Late Fee → Note Payment Terms
Vesting → Deed Pg 1
Cash to Close → CD Pg 1
Escrow Details → CD Pg 4
OTHER
Funding Date → CD Pg 1 / Instructions
RTC → RTC Form
Closing Costs → CD Pg 2–3
🔥 THE FINAL BOSS SIGNING TABLE SCRIPT 🔥
Use this and you’ll sound like you’ve done this for a decade:
“Here’s your loan amount.
Here’s your interest rate.
Here’s your principal and interest, and here’s your total monthly payment including escrow.
Your first payment is due here, and the loan matures here.
This section shows whether there’s a prepayment penalty and any late fees.
You’re listed on the deed here.
Your cash to close is here, and your escrow breakdown is detailed here.”
Fast. Clean. Confident.
No legal explanations.
No crossing the line.
Final Word
If you can’t locate these numbers without thinking, you’re not undertrained — you’re underqualified.
And if you can?
You’re exactly the kind of Loan Signing Agent companies assign again and again.