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
- U.S. Social Security number for knowledge-based authentication
- Government-issued photo ID for credential analysis
- A valid email address
- A computer with audio/video capabilities
What to expect in a hybrid closing
Here's how a hybrid closing works with Proof:
- 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.
- The lender or Proof, on behalf of the lender, sends a transaction link to the signer and the title agent before the closing date.
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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.
- Signers receive an email from the lender with a link to sign your document.
- 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.
- 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.
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Not complete: The entire package is wet-signed.
- The title agent confirms that the eSign documents have been completed. If the eSign documents are:
- 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).