Overview
This guide explains which real estate transactions can be completed using Proof and which can't. Information on HELOCs (Home Equity Line of Credit), Refis (refinance transactions), deeds, and POAs (Power of Attorney) can also be found here.
Quick Reference Guide
Most real estate closings must be created through your lender or title company to use Proof. This is because various technical and legal arrangements must be established before closing your transaction online. Feel free to let your title company or lender know that you'd like to use Proof to close online.
| Situation | Can you use Proof? |
| You received a transaction invite from noreply@proof.com. | YES! We can notarize this. |
| You're the seller of the property. | Likely. Please contact your title agency or lender. |
| You're the buyer in a cash purchase transaction. | Likely. Please contact your title agency or lender. |
| You're the borrower in a purchase transaction with a mortgage. |
Only if you've received word from your lender or title agent that you'll be closing your loan online. |
| You're getting a HELOC. | Likely. Please contact your title agency or lender. |
| You're refinancing your existing mortgage. | Likely. Please contact your title agency or lender. |
POAs and Deeds
Deeds and POAs can typically be completed using Proof without involving your lender or title company.
Power of Attorney (POA)
If you submit your real estate-related POA to your title agent, mortgage broker, realtor, or the county, we recommend you confirm with the intended recipient that they will accept electronically signed and notarized documents.
Things to Note
- Our support team may ask you to provide the property address. This lets us confirm that your county allows the e-recording of real estate-related documents. It can also be useful for looking up eligible title agencies, if necessary.
- If you provide the support team with the contact information for your loan officer or title agent, our real estate team may be able to establish a relationship with them for you to complete your transaction using Proof. (We cannot guarantee this outcome in all cases.)
- You may not be required to use the title agency recommended by your realtor. Depending on your state and county, the buyer or seller may select the title agency.
- You may be able to do a "Split Closing," where the buyer and the seller use different title agencies. This may be more costly and is not an option in all cases, so please check with your realtor or a legal professional.
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