Adding Flexibility to Digital Closings with In-Person Electronic Notarization

Mortgage closings have always been a balancing act, requiring lenders to juggle borrower expectations, settlement agent workflows, and timelines that can shift with little warning. Over the past several years, technologies like remote online notarization (RON) have helped make that process more digital and more convenient. But they’ve also added another variable to manage state-specific regulations that determine when and how those tools can be used. 

As digital adoption continues to evolve, the goal isn’t to force every closing into the same format. It’s to give you more ways to digitize the process while still respecting borrower preferences and the real-world workflows that keep closings moving. 

A digital approach built for real closings 
Now available in DocMagic’s Total eClose™ platform, in-person electronic notarization (IPEN) gives you another way to complete digital closings without sacrificing the face-to-face experience. IPEN allows you to execute closing documents electronically while still meeting borrowers and settlement agents in person, keeping documents electronic, compliant, and immediately available. And when a transaction planned for RON needs to pivot to an in-person signing, IPEN supports that shift without disrupting your workflow or changing how documents are executed and delivered. 

Designed to fit into existing workflows 
IPEN is designed to fit into the workflows you already have in place. IPEN closings can be completed on any connected device, without introducing new hardware or steep learning curves for your notaries or settlement teams. And because IPEN operates within DocMagic’s existing infrastructure, notaries who already support RON can also handle IPEN transactions, making adoption straightforward and keeping processes consistent. 

For lenders, that means fewer operational adjustments when a transaction needs to shift to an in-person closing. Identity verification tools remain available when needed, but they don’t complicate face-to-face IPEN sessions. Closings move efficiently while still aligning with your internal policies and state requirements. The result is faster access to documents, quicker funding timelines, and fewer costs tied to paper handling and manual follow-up. 

Supporting borrower preferences at the table 
For borrowers, flexibility matters. Some prioritize the convenience of a remote experience, while others prefer a little extra guidance during the process. IPEN supports those choices without changing the fundamentals of the closing, preserving face-to-face interaction while keeping documents digital.  

With IPEN alongside RON, the Total eClose platform supports remote, hybrid, and in-person closings through a single connected system. That flexibility gives you more control over how each transaction comes together, without forcing every closing into the same mold.