A refinance replaces the mortgage on a home you already own with a new loan, usually to change the rate or term or drop mortgage insurance, and the new lender needs a fresh Note, a new Deed of Trust and a set of disclosures signed before it funds. In El Paso the request usually comes from working families who cannot leave the job for a title office at two in the afternoon: a couple in Socorro signing at 6:30 after the kids are fed, a nurse coming off a shift at UMC, a retiree in the Northeast who prefers not to drive. QWIK Mobile Notary Public is the loan signing agent who brings the package to your kitchen table.
Because a refinance places a new lien on your primary residence, federal Regulation Z (12 CFR §1026.23) gives each borrower until midnight of the third business day after signing to rescind, and each person entitled to rescind receives two copies of the Notice of Right to Cancel. Texas adds a distinction: a rate-and-term refinance may be signed at home, but a cash-out refinance of a homestead is a home equity loan under article XVI, section 50(a)(6) of the Texas Constitution and closes only at a lender's, attorney's or title company's office. Our notary takes the acknowledgment on the Deed of Trust and administers the oath on the Occupancy and Signature Affidavits; every signer appears in person with unexpired photo ID.
Your lender or title company usually orders the signing, sends the e-docs and confirms the time; homeowners in El Paso can also call or text (915) 302-0902 and we coordinate with the closer. We confirm the flat signing fee before the appointment, print on letter and legal paper, and arrive at your home in the evening or on a Saturday. Have unexpired photo ID ready for each signer, and plan on about 45 minutes. We present each document and show where to sign, initial and date; we do not explain or advise on the rate, the payoff or the new payment. Those questions go to your loan officer, and the CFPB explains the right to cancel in plain language.
Documents we notarize
- Refinance Loan Package, printed complete on letter and legal paper
- Note (Promissory Note)
- Deed of Trust, acknowledged for recording with the El Paso County Clerk
- Closing Disclosure
- Notice of Right to Cancel — three business days, two copies per borrower
- Payoff Authorizations for the existing lender
- Subordination Agreements, when a second lien or HELOC stays in place
- Occupancy Affidavit
- Signature Affidavit and name-variation certifications
- Compliance Agreement
What happens after the signing: the three-day rescission period
A refinance does not fund the night you sign. Under Regulation Z the rescission period runs three business days after signing, and Saturdays count while Sundays and federal holidays do not, so a Thursday evening signing in El Paso typically funds the following Tuesday; the closer confirms the date. The Notice of Right to Cancel you keep explains how to cancel if you change your mind. Once the loan funds, the new lender pays off the old one under the Payoff Authorization you signed, and any second lien that stays does so under a Subordination Agreement.
Common mistakes that hold up a refinance
The Notice of Right to Cancel is the page that sends El Paso refinances back most often: a transaction date or rescission deadline written incorrectly, a borrower who signs one copy but not the other, or a spouse who never signed. In Texas a non-borrowing spouse usually still signs the Deed of Trust and the Notice of Right to Cancel because the home is the homestead; the lender decides who signs what, so both should be home. Expired IDs, a name that no longer matches the deed after a marriage or divorce, and missed initials round out the list.
Two things we settle before the appointment, not at the table: whether the loan is a cash-out on a homestead, which by Texas law cannot be signed at your home and moves to the title company or attorney's office, and whether anyone will sign under a power of attorney, which the lender must approve first. Tell your closer about either when you schedule, and the evening goes smoothly.
What to bring
- Unexpired government-issued photo ID for each signer — many lenders ask for two forms
- Your spouse, when the lender's instructions call for a non-borrowing spouse to sign the Deed of Trust and the Notice of Right to Cancel
- The lender's closing instructions and anything they asked you to have ready, such as proof of homeowner's insurance or a voided check for automatic payments
- The original lender-approved power of attorney, if one owner cannot attend
- A clear table, good light and about 45 minutes without interruptions
How a mobile appointment works
Text or call to book
Lenders and title companies send the order and e-docs to qwikmobilenotary@gmail.com or text (915) 302-0902; homeowners can reach us the same way and we coordinate with the closer. We confirm the flat signing fee, the evening or weekend time and address, then print the package.
We come to you
Your notary arrives at your home in El Paso County, checks each signer's ID, and presents the package in the lender's order, in English or Spanish, with attention to the dates on the Notice of Right to Cancel. Term questions go to the loan officer.
Signed, sealed, done
We check every signature, initial and date, notarize the Deed of Trust and affidavits, send same-day scan-backs, and ship or deliver the originals per the closer's instructions. Your copies stay with you; the loan funds after the three-business-day rescission period, as the closer confirms.