A commercial loan signing is the closing of a business loan instead of a home mortgage: a restaurant owner buying the building on the Westside, a trucking company financing a yard near the Zaragoza bridge, or a family LLC refinancing a strip center on Alameda. The borrower is usually an entity — an LLC, corporation, partnership or trust — and its owners sign personal guaranties beside it. QWIK Mobile Notary Public is the signing agent for these closings in El Paso: we bring the lender's package to the business, take every signature in the lender's order and notarize the instruments that will be recorded.
Texas Property Code section 12.001 requires a Deed of Trust — on a commercial loan usually one with an Assignment of Rents — to be acknowledged before a notary before the El Paso County Clerk will record it. When the borrower is an entity, the signer acknowledges in a representative capacity, and the Texas statutory certificate wording names the person, their title and the company they sign for. The lender also requires the entity's authority documents — a corporate resolution, certificate of incumbency or certificate of trust — which return in the package with the personal guaranties and any sworn affidavits. Each signer shows unexpired photo ID.
Most commercial signings in El Paso are ordered by the lender, title company or escrow officer; borrowers can also call or text (915) 302-0902 directly. We confirm a flat fee, print the package and meet the signers at the business, title company or job site anywhere in El Paso County, evenings and weekends by appointment. Plan on 30 to 60 minutes; bring photo ID and the entity documents the lender requested. We show where to sign and notarize what requires it — questions about the terms go to the loan officer or your attorney, never to the notary.
Documents we notarize
- Commercial Loan Agreement
- Promissory Notes
- Deed of Trust with Assignment of Rents
- Personal Guaranties
- Corporate Resolutions and Certificates of Incumbency
- Certificate of Trust for trust borrowers
- Corporate Quitclaim Deed
- UCC-related acknowledgments (fixture filings and security agreements the lender marks for notarization)
- Environmental Indemnity Agreements
- Contracts and closing agreements
- Closing Statement / Settlement Statement
- Borrower's Certification and Authorization
Guarantors and signers in more than one place
Commercial loans routinely have three or four guarantors who are never in the same room: two partners at the business in the Lower Valley, a third at a medical office on the Westside, a fourth living in Dallas or Phoenix. Each person must personally appear before a notary, so we schedule separate stops across El Paso County the same day and complete a separate certificate for each signer showing the date and county where that person actually signed. Nothing is pre-filled, pre-dated or signed for someone who is absent.
For a guarantor outside El Paso, the lender chooses: a local notary where that person is, or Remote Online Notarization with our Texas online commission if the lender and title company accept it. In a RON session the signer may be anywhere while our notary is in Texas; identity is verified by credential analysis and knowledge-based questions, and the session is recorded. Tell the closer early which signers are remote so the package is prepared with the right certificates.
What the lender, the closer and the borrower can expect from us
Title companies and lenders get the same routine on every El Paso commercial file: confirmation with the borrower as soon as the order arrives, dual-tray printing of e-docs on letter and legal paper, the package presented in the lender's order, every signature block checked against the names and titles in the resolution before anyone signs, and same-day scan-backs with the originals delivered to your El Paso office or shipped with your label. Business owners get a signing agent who is punctual, bilingual and clear about what each document is.
The problems that stall commercial closings are avoidable: a signature block naming a title the resolution does not grant, a partner signing for one who did not come, an expired ID, guaranties with blank dates, and a trustee without the certificate of trust. We flag these to the closer at the table rather than notarize around them. Our notary is not an attorney and cannot rewrite a signature block, advise on personal liability or explain the terms; those questions belong to the loan officer or your counsel.
What to bring
- Unexpired government-issued photo ID for every individual who signs — many lenders ask for two forms
- The entity's authority documents the lender requested: certificate of formation, corporate resolution or certificate of incumbency, certificate of trust
- The lender's or title company's closing instructions and the signing confirmation
- A table with room for a thick package — a conference room or quiet office works best
- Anything the closer asked you to have ready, such as proof of insurance
- Payment method if the signing fee is not on the settlement statement
How a mobile appointment works
Text or call to book
Lenders, title companies and escrow officers send the order and package to qwikmobilenotary@gmail.com or text (915) 302-0902; borrowers may reach us the same way. We confirm the flat fee, each signer's location and the time, and print the documents.
We come to you
Your bilingual notary meets the signers at the business, the title company or the job site anywhere in El Paso County, checks each person's ID and the capacity they sign in, and goes through the package in the lender's order.
Signed, sealed, done
We check every signature, initial and date, complete the acknowledgments, send same-day scan-backs and deliver the originals to the title company. The title company records the Deed of Trust with the El Paso County Clerk and the lender funds per its instructions.