Power of Attorney at Closing
A Power of Attorney (POA) at closing allows a designated person to sign mortgage and real estate documents on behalf of the borrower when the borrower cannot be physically present.
This situation commonly arises with military service members who are deployed or relocating during a PCS move, or with buyers who have a scheduling conflict that prevents them from attending in person. The POA must be a specific, limited document — not a general POA — and it must be approved by the lender and title company in advance.
Not every lender accepts a POA at closing, and requirements vary by loan program. The document typically must name the specific transaction, be signed and notarized before closing, and be reviewed by the lender's legal team for compliance. Another option in Louisiana is Remote Online Notarization (RON), which may eliminate the need for a POA altogether.
Why This Matters: If you know you cannot attend your closing in person, planning for a POA well in advance is critical. Last-minute POA requests can delay closing — especially if the lender requires additional review or approval. Talk to your loan officer early if this may apply to you.
Common question
Can someone else sign my mortgage documents for me?
Yes, with a properly prepared Power of Attorney. The POA must be specific to the transaction, approved by the lender and title company, and signed and notarized in advance. Not all lenders accept POAs, so plan ahead.
Do VA loans allow Power of Attorney at closing?
VA loans may allow a POA in certain situations, such as deployment. Requirements are strict — the POA must be specific, approved by the lender, and comply with VA guidelines. Discuss with your loan officer well before closing.
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