Hybrid closings consist of documents that can be eSigned in advance of an in-person closing, as well as documents that need to be printed and wet-signed during an in-person closing. Hybrid closings are initiated by lenders and completed by title agents. 

When a lender creates a hybrid closing with Proof, signers can eSign documents that don't require notarization before meeting with the title agent in person to complete the process. Signers need a computer or mobile device with internet access to complete the online portion of the hybrid closing.

Who this is for

The information and/or process below applies to users who interact with real estate transactions.

Check out Fully online closing overview for closings that are fully online (no wet-signed documents)

What signers need

What to expect in a hybrid closing

Here's how a hybrid closing works with Proof:

  1. The lender initiates the transaction:
    • The lender or Proof, on behalf of the lender, sends a transaction link to the signer and the title agent before the closing date.

  2. Signers complete the online portion of the closing package:
    • Signers receive an email from the lender with a link to sign your document.
      • Signers can preview the document package before signing but cannot sign until closing day.
    • On closing day, signers click Sign documents now to get started.
    • Signers create a Proof account by entering a password when prompted. 
    • Signers preview the documents and apply initials and signatures to the documents.
    • Signers can view or download completed documents after their part is done.

  3. The title agent is responsible for printing all wet sign documents for the in-person meeting with the signer, and for sending wet sign documents to the notary, if applicable.

  4. The in-person meeting occurs with the title agent or notary.
    • The title agent confirms that the eSign documents have been completed. If the eSign documents are:
      • Complete: The wet sign documents are executed and witnessed.
      • Not complete: The entire package is wet-signed.

  5. The title agent scans and emails the completed wet-signed document to the lender and mails the physical copies as usual. Review Upload wet-signed documents to hybrid transactions for title agents for instructions on how to upload completed wet-sign documents to the Proof platform (in addition to mailing them to the lender).

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