Remote Online Notarization—RON—has been one of the most significant innovations in real estate closings in recent years. The ability to sign and notarize documents via secure video conference, from anywhere with an internet connection, has made closings more accessible and convenient than ever before.

But as RON has gained popularity, we’ve noticed some misconceptions about what it can and can’t do. Some people assume it’s always the best option. Others think it’s not secure or legally valid. The reality, as usual, is more nuanced.

Here’s our honest assessment of RON—what it does well, where limitations exist, and how to determine if it’s right for your transaction.

What RON Does Well

Eliminates geographic barriers. This is RON’s most obvious benefit. If you’re buying a property in one state while living in another, or if you’re relocating and need to close before you arrive, RON makes it possible. Military families, remote workers, and anyone with travel constraints can complete closings that would otherwise require complex logistics.

Provides scheduling flexibility. RON sessions can often be scheduled outside traditional business hours, and there’s no travel time for anyone involved. This flexibility is valuable for buyers and sellers with demanding schedules.

Creates robust documentation. RON sessions are recorded and retained, creating a permanent record of the signing that includes video evidence of identity verification and document execution. In some ways, this provides stronger documentation than traditional notarization.

Enhances security. Multi-factor identity verification—including credential analysis and knowledge-based authentication—often exceeds the verification that occurs in person. The technology platforms use encryption and tamper-evident seals that protect document integrity.

Where Limitations Exist

Not available for all transactions. While most states now authorize RON, not all lenders accept it for all loan types. Some loan programs, investor requirements, or specific lenders still require wet (in-person) signatures. Before assuming RON is available for your transaction, confirm with your lender.

Technology requirements. RON requires a computer or tablet with a working camera, microphone, and stable internet connection. Signers must be comfortable with video conferencing technology and may need to troubleshoot technical issues. This can be challenging for some participants.

Identity verification can be tricky. The knowledge-based authentication questions used to verify identity are generated from credit bureau and public records data. If your information is outdated, if you’ve recently moved, or if you don’t have extensive credit history, you may struggle to pass verification.

Not ideal for complex signings. When documents require extensive explanation, when signers have many questions, or when multiple parties need to discuss terms, the in-person format can be more effective. The human interaction of sitting across the table from a notary who can gauge understanding and provide guidance has value that video doesn’t fully replicate.

Some documents may not qualify. Certain document types may have specific requirements that preclude remote notarization. Estate planning documents, certain powers of attorney, and some court-ordered documents may need to be executed in person depending on jurisdiction.

Making the Right Choice

RON is a tool—a valuable one—but it’s not the right choice for every situation. Here’s how we help clients decide:

RON is often a good fit when:

• Signers are geographically distant from the closing location
• Scheduling in-person appointments is difficult
• The signing is relatively straightforward (standard purchase or refinance)
• All parties are comfortable with technology
• The lender has approved RON for the specific loan

In-person signing may be better when:

• Signers have many questions or need detailed guidance
• Technology access or comfort is limited
• The transaction is complex or documents require careful explanation
• Identity verification may be challenging
• Local presence and personal interaction are valued

Hybrid approaches can also work well—some documents signed remotely, others in person. This can provide flexibility while ensuring complex documents get the attention they deserve.

Our Approach

We offer RON because it genuinely helps many of our clients. When it’s the right fit, it makes closings more convenient without sacrificing security or accuracy.

But we don’t push RON as a default or present it as automatically superior to in-person closings. We discuss each client’s situation, explain the options, and recommend the approach that best serves their needs. Sometimes that’s RON. Sometimes it’s in-person. Sometimes it’s a combination.

What we won’t do is oversell technology for its own sake. The goal isn’t to be the most digital—it’s to close your transaction accurately, efficiently, and in whatever way works best for you.

The Regulatory Landscape

One more consideration: RON regulations continue to evolve. While most states have enacted permanent RON legislation, requirements vary by jurisdiction. The state where the property is located, the state where the notary is commissioned, and lender-specific requirements all affect RON eligibility.

We stay current on these regulations and can advise whether RON is available and appropriate for your specific transaction. This is another area where experience matters—understanding the regulatory nuances helps avoid complications that could delay your closing.

The Bottom Line

Remote Online Notarization is a genuine advancement in how real estate closings can be conducted. It’s secure, legally valid in most circumstances, and provides real benefits for many transactions.

But it’s not magic, and it’s not always the best choice. The right closing method depends on your specific situation, preferences, and transaction requirements.

Wondering whether RON is right for your upcoming closing? Contact us to discuss your options. We’ll give you an honest assessment and help you choose the approach that works best for you.