Close on Your New Home from Anywhere: Don't Cancel That Closing!
- 11 minutes ago
- 3 min read
Imagine this: You’ve finally found your dream home, but the closing date lands smack in the middle of your long-awaited vacation. Your heart sinks. Do you cut your trip short? Spend hours hunting for a local notary in an unfamiliar city? Or, if you're local, do you really want to spend 30 minutes battling traffic to get to the title company, spend an hour at the table hand-signing a mountain of paper, and then drive back?
With traditional mortgage lenders, this stressful scenario is all too common. But at Simplicity Mortgage, we believe the final step to homeownership should be simple, seamless, and flexible.
That’s why we partner with cutting-edge lenders who harness modern digital technology to bring closing options directly to you. Depending on your needs and program eligibility, we offer 3 flexible ways to close on your home purchase.
1. Virtual Closing (Full eClose)
The most efficient and flexible option.
Want to close on your new home without ever leaving your couch—or your beach chair? With a Virtual Full eClose, every document is signed electronically within a secure, encrypted online platform.
How it works: You’ll join a brief virtual video conference with a notary to verify your identity and eSign your documents, including eligible Notes and notarized paperwork.
The Big Benefit: No driving, no physical paper stacks, and no in-person visits required. As long as you have a stable internet connection and a camera-enabled smartphone, tablet, or laptop, you can close from anywhere in the world.
2. Hybrid Closing (Part Electronic, Part In-Person)
The best of both worlds.
If full eClosing isn't available for your specific loan type or you prefer having a title agent answer final questions in person, a Hybrid Closing is the perfect middle ground.
Most non-notarized documents are eSigned ahead of time in your portal, while key legal documents (like notarized forms or paper Notes) are printed and signed in person with a notary.
Depending on how your Note is structured, hybrid closings fall into two categories:
Hybrid with eNote: Your Note is included in the digital package and eSigned online. Only the notarized documents (and specific state/FHA forms) are wet-signed in person.
Hybrid with Paper Note: The Note and notarized documents are printed for wet signatures, while all remaining paperwork is completed digitally ahead of time.
The Big Benefit: Because you review and eSign the majority of the paperwork before meeting, the in-person portion usually takes around 5 minutes. It drastically cuts down time at the closing table while still giving you face-to-face support.
3. Traditional In-Person Closing
The classic face-to-face experience.
For buyers who prefer the traditional route, the full in-person closing remains an option.
How it works: Every document—notarized and non-notarized—is printed out in a physical packet. You’ll sit down face-to-face with a settlement agent, notary, or title representative to "wet-sign" each page by hand.
Consideration: While straightforward, this method requires the most time and logistics, as you’ll need to review and sign a substantial stack of paper in person.
Flexible Home Buying Built Around Your Life
Whether you’re relaxing in the comfort of your living room sipping coffee or enjoying a sunset on a beachside getaway, don't let your closing date dictate your vacation plans. At Simplicity Mortgage, we leverage technology to eliminate logistical headaches so you can close on your schedule, from your location.
Ready to experience a simpler way to buy a home? Reach out to the team at Simplicity Mortgage today and let’s get you moved in!
Simplicity works with borrowers looking for for real estate financing in all areas of Florida. Our service area includes Volusia and Flagler counties, Palm Coast, Ormond Beach, Ormond by the Sea, Deland, Daytona Beach, Daytona Beach Shores, Port Orange, Ponce Inlet, New Smyrna Beach, Orlando, Jacksonville, and all surrounding areas of Florida.
Our goal is to provide a smooth loan process and exceptional customer experience coupled with a low interest rate and minimal fees. We will keep you updated and informed throughout the process.
Our loan portfolio contains a variety of loan products: Conventional, VA, FHA, USDA, Jumbo, Non Qualified Mortgage (non-QM), Self Employed, 1099, first time home buyer, investment, and secondary property purchases.
Looking to stay in your home? There are plenty or money saving options for your refinance as well to include IRRRL, Home Equity Loan, Streamline Refinance, Cash Out, and Rate and Term.
Call Freddy Kling today to discuss your home purchase or mortgage refinance. We will utilize your financial information to determine future mortgage payment with available mortgage rates to help you determine the best path to achieve your financial and real estate goals.
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