This guide explains types of real estate transactions that can be completed using Proof and which can't, plus information on HELOCs (home equity line of credit), refinance transactions (refis), deeds, and power of attorney.
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. |
Fully online closing
A fully online closing, also called eClosings, connects the signers with a notary via live video chat. The signers electronically sign their documents and the notary notarizes their closing package completely online. eClosings include eSigning and remote online notarization.
The Proof platform determines the property's eligibility for online closing when the property address is provided during transaction creation. If online closing is unavailable, check with your underwriter and/or county recorder for more information.
Read the articles below for more information:
Hybrid closing
A Hybrid closing allows for certain documents to be eSigned using Proof. Documents that require notarization are to be completed with a traditional, in-person notary.
Proof is not responsible for organizing in-person notarization details for this transaction type.
Read the article below for more information:
Deeds and power of attorney
Deeds and power of attorney documents can typically be completed using Proof without involving a lender or title company.
If you plan to submit your real estate-related power of attorney document 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.