The Complete Guide on
How to Become a Successful Notary Public & Loan Signing Agent

We'll Help You Put This All Together
Let's Start with the Difference Between Being a Notary Public and a Loan Signing Agent in
Chesapeake, Virginia
Understanding the difference between a Notary Public and a Loan Signing Agent (LSA) is essential when exploring a career in this field. While both roles are rooted in the authority of a state commission, their responsibilities, training, and earning potential vary. Recognizing these distinctions will help you make informed decisions about your notarial career path.

A Notary Public is commissioned by the state to serve the public as an impartial witness. Their core duties include:
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verifying identities of signers through government-issued ID
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witnessing signatures and ensuring the signer is willing and aware
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administering oaths and affirmations for sworn statements
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completing notarial certificates with their signature and official seal
The scope of a notary’s work is broad. General notarial acts include documents such as affidavits, contracts, powers of attorney, wills, medical directives, and business agreements. Because notaries are regulated by state law, each state sets its own rules on what documents can be notarized and how much can be charged per act.
A Loan Signing Agent (LSA, Signing Agent, Notary Signing Agent) is a commissioned notary who has additional training in mortgage loan documents and real estate transactions. Their work goes beyond basic notarizations to include:
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presenting loan packages during real estate closings
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ensuring every signature, initial, and date is properly completed
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guiding signers through complex documents like deeds of trust, promissory notes, closing disclosures, and refinance agreements
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returning executed documents quickly and accurately to lenders, escrow, or title companies
Although LSAs cannot provide legal or financial advice, their familiarity with loan packages makes them a vital link between the borrower and the lending institution.
Key Differences to Keep in Mind

Authority: Every Loan Signing Agent is a Notary Public first. You cannot become an LSA without first being commissioned as a notary.
Scope of Work: Notaries perform general notarial acts; LSAs focus specifically on loan and mortgage documents.

Clients: Notaries work with the general public, businesses, and government offices. LSAs primarily serve title companies, escrow officers, lenders, and signing services in the mortgage industry.

Why It Matters
Becoming a Notary Public is the first step. It provides the legal authority and credibility to perform notarizations.
Adding Loan Signing Agent specialization builds on that foundation, opening the door to higher-paying assignments in the real estate sector. For many notaries, this is where the career shifts from part-time side work to a profitable business.
Learn more from the National Notary Association: What is a Notary Signing Agent?
Let's Talk (Honestly) About How Much You Can Earn as a Notary Public & Loan Signing Agent in
Chesapeake, Virginia
When people search “How much can a notary make?” or “Is becoming a Loan Signing Agent worth it?” they often land on bold claims and flashy numbers on social media. The reality, however, is more nuanced—and it’s important to approach this career with accurate expectations.
Be Careful Who You Follow Online
Not everyone on social media gives the full story. To put things in perspective, here’s the truth:
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Only about 1% of notaries and loan signing agents reach “six-figure” or top-tier incomes.
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The majority earn supplemental income, with a smaller portion building part-time or moderate full-time careers.
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This breakdown is best seen in the income distribution chart: most fall into the “supplemental income” group, with very few reaching the top slice.
Meanwhile, the fee comparison bar chart makes it clear: loan signings simply offer more per assignment. That’s why many notaries branch into loan signings if they want to grow their earnings.
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A Notary Public earns state-regulated fees, typically ranging from $5 to $15 per notarization depending on state law
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A Loan Signing Agent, by contrast, negotiates per-assignment fees, often $50 to $200+ per signing, since real estate closings involve larger document packages and tighter deadlines
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The good news? There are many ways to expand your income as a notary beyond standard notarizations and loan signings.
Successful notaries often diversify into niche services such as:
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Jail and detention notarizations
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Hospital and healthcare facility notarizations
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Apostille facilitation
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I-9 verifications
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Permit running
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Translation coordination
Each of these creates new revenue streams and sets you apart from other notaries in your area.
Where Real Opportunity Lies
Learn more from the National Notary Association: Notary Business Basics
Learn more from the National Notary Association: Notary Signing Agent Overview
Learn more from the National Notary Association: How Much Can Notaries Charge?
Learn more from Notary Stars:
How Notaries Can Market to Hospitals & Jails
Learn more from Notary Stars:
Additional Income for Notaries
Here Are the Basic Steps You Should Take to Become a Notary Public in
Chesapeake, Virginia

How to Become a Notary Public in Virginia
The following steps briefly explain what you need to do if you want to become a Notary Public in Virginia:
Meet all of the state's requirements.
Complete and print an application form.
Pay the $45 application fee.
Have your signature on Part 3 of the application notarized.
Mail in your notarized application and payment.
Receive a notification if you're approved.
Take your oath of office and pay the $10 fee.
Buy your Notary seal.
Here Are More Details About Becoming a Notary Public in
Chesapeake, Virginia
How to Become a Notary Public in Virginia
The following steps briefly explain what you need to do if you want to become a Notary Public in Virginia:
Meet all of the state's requirements.
Complete and print an application form.
Pay the $45 application fee.
Have your signature on Part 3 of the application notarized.
Mail in your notarized application and payment.
Receive a notification if you're approved.
Take your oath of office and pay the $10 fee.
Buy your Notary seal.
If you are seeking to become a Notary Loan Signing Agent in Virginia it is strongly advised that you take additional training beyond the National Notary Association.
The National Notary Association helps to prepare Notaries on a very basic level. However, companies like Notary2Pro, NotaryStars, and NotaryAcademy are all very well poised to help Notary Loan Signing Agents learn the meaning of Loan Documents, How to Present Loan Documents, What You as a Notary Can Say About Loan Documents, and How to Execute Loan Documents. Ideally, the highest paid Loan Signing Agents will have taken all three of these courses and more.
Companies like Notary Stars can also help point you in the direction of additional reputable trainers within the industry who can also show you how to perform additional services like Permit Running, Apostille, Document Translations, Estate Planning, and more! These are additional sources of revenue that the National Notary Association does not cover.
About the Virginia Notary Process
The Virginia Notary commission is valid for four years, after which you’ll need to renew it to continue as a Notary. Your commission expires on the last day of the month you were born.
Cost of Becoming a VA Notary
The cost to become a Virginia Notary is $95. However, the final cost may vary based on where you purchase your Notary seal.
Commission Processing Time
Once the state receives the application, the turnaround time is generally three weeks.
Virginia Notary Public Requirements
Find out how to qualify and what supplies you need to become a VA Notary.
Eligibility
To qualify to become a Notary in Virginia, applicants must meet the following requirements:
Be at least 18 years old
Be able to read and write English
Be a legal resident of the U.S.
Be a resident of or have a place of employment in the Commonwealth of Virginia
Additionally, applicants must not have been convicted of a felony under the laws of the United States or in the Commonwealth of Virginia, or the laws of any other state, unless their rights are restored.
Application
Complete and print the application form.
Pay the $45 application fee online or by check/money order.
When paying online, ensure the barcode number on your printed application matches the invoice number on your receipt to ensure proper payment on your account.
Notarization
Take your application to a Virginia Notary and have your signature on Part 3 of the application notarized.
Mail in your notarized application and payment receipt (if you paid online) or check/money order for the application fee to the Office of the Secretary of the Commonwealth.
Circuit Court
If you're approved, a notice will be sent to both you and the Circuit Court clerk within two to three weeks.
Within 60 days of the notice, visit the Circuit Court to take your oath of office and pay the $10 fee.
Notary Seal
Virginia Notaries are required to have an official Notary seal.
You can choose from either an inked stamp or embosser. The law requires that the seal be sharp, legible, permanent and photographically reproducible. The seal must include the following information:
Your name as it appears on your commission
The words "Notary Public"
The words "Commonwealth of Virginia"
Your Notary registration number (optional)
The words "My commission expires _______ (date)" (optional)
If you choose to use an embosser, you’ll need an embosser inker to satisfy the requirement that the impression is able to be photocopied.
A journal of official acts isn't required but recommended by the state. If you perform electronic notarizations though, a journal is required. Learn about the importance of keeping a Notary journal.
Which state government office handles Notaries?
The Secretary of Commonwealth, located in Richmond, VA, is responsible for commissioning Notaries Public in Virginia. The state offers a free download of the Virginia Notary Handbook.
Office of the Secretary of the Commonwealth
P.O. Box 1795
Richmond, Virginia 23218-1795
May I become a Virginia Notary if I don't live in the Commonwealth?
Yes. You do not have to be a resident of Virginia to become a Virginia Notary Public if you are regularly employed in the state and perform Notary services in connection with your employment.
Is training or an exam required to become a Notary in Virginia?
No training or exam is required. Virginia is a "self-certifying" state.
Do I need a surety bond or insurance?
A bond is not required and insurance is optional.
Learn how Notary E&O insurance can protect you.
Where will I be able to notarize?
Virginia Notaries are authorized to notarize documents anywhere within the borders of the state.
You may also notarize for signers outside of Virginia, but only if the documents will be used in Virginia or by the U.S. government (§ 47.1-13, § 47.1-13.1).
Who can I notarize for?
You may notarize for any member of the public who makes a reasonable request and meets all requirements for notarization, such as personally appearing before you and providing satisfactory proof of identity.
You're prohibited from notarizing your own signature, your spouse's signature, or any document from which you or your spouse may benefit.
You may enter into an agreement with your employer to have your employer pay for your commission and supplies. In exchange, the employer may limit your notarizations during business hours to transactions directly related to your employer's business purposes. If you charge a fee for your service, your employer may not require you to surrender the fee.
What fees can VA Notaries charge for notarizations?
Virginia Notaries are not required to charge a fee, but you may charge a maximum fee of $10 per notarial act.
You may charge an additional fee for travel expenses, but only if the signer agrees to it in advance.
What should I do if I move or change my name?
If you move during your commission, you must update your information in your account on the Office of the Secretary of the Commonwealth’s website.
If you change your name, you must indicate your original name in which your commission was issued on all notarial acts. The following language should appear on all notarized documents: "I was commissioned a Notary Public as [your original name]."
When you renew your commission, you may apply under your new name.
How do I renew my Notary commission in Virginia?
The process to renew your commission is the same as if you were applying to become a Notary Public for the first time except your application doesn’t need to be notarized if you meet the following conditions:
Be in good standing
Not be subject to any investigation or proceeding
Never have been removed from office
How do I become an electronic Notary?
To become an electronic Notary, you must first hold an existing commission as a Virginia Notary Public and get an electronic Notary seal prior to applying. You must complete the eNotary Application and pay the $45 fee online.
If your application is approved, you'll receive an email confirmation. If it's not approved, you'll receive an email stating the reason(s) for the decision and your application and payment will be refunded.
What do I need to know about remote electronic notarization in Virginia?
In 2013, Virginia became the first state to allow remote online notarizations (RONs). Notaries must get commissioned as an eNotary before they can register to perform RONs.
This step-by-step guide will help you with the rest of the registration process.
Loan Signing Agent Training That Will Help You Start and Flourish in Your Career in
Chesapeake, Virginia
Once you are commissioned as a Notary Public, the next step for many professionals is pursuing additional training to become a Loan Signing Agent (LSA). Specialized education is what sets apart those who simply hold a commission from those who build a thriving notarial business.
Unlimited Ink Notary is proud to be a sister company to Notary Stars, a nationally recognized training platform that equips notaries with the knowledge and confidence to succeed. Alongside other trusted educators like Notary2Pro and My Notary Academy, these organizations provide structured, reputable paths into the loan signing industry.

Why Training Matters
While the fundamentals of being a Notary Public are state-specific, loan signing work requires an additional layer of expertise. Lenders, escrow officers, and title companies want to work with notaries who understand their documents, avoid costly mistakes, and represent their brand professionally. That’s where quality training becomes invaluable.
Here’s a glimpse at what these programs offer:
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Notary Stars – Known for its comprehensive library of over 150+ hours of video training, live classes, and community support, Notary Stars teaches every major loan product, best practices for notarial work, and provides marketing strategies to help notaries grow. It’s not just a course—it’s an ongoing resource hub with mentorship opportunities.
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Notary2Pro – Founded by industry veteran Carol Ray, Notary2Pro is respected for its hands-on, personalized training. Its “Elite” program bundles essential and advanced courses, plus reverse mortgage specialization, giving students a strong foundation and continuing edge in the market.
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My Notary Academy – This training company offers structured, easy-to-follow modules designed to help new notaries understand the loan signing process step by step. Its focus on practical exercises and real-world application helps build confidence quickly for those new to the industry.
Meet the Instructors of Notary Stars & Connect with Them on Your Journey in
Chesapeake, Virginia
Unlimited Ink Notary is proud to be a sister company to Notary Stars, where experienced professionals don’t just teach—they mentor, share real-world insight, and guide you through the complexities of building a notary signing career.
RON Trainer & RON Expert
Amy is a multi-state commissioned notary and RON (Remote Online Notarization) expert.
At Notary Stars, she trains notaries in digital notarization, apostilles, and international document work—helping them expand their services and adapt to the evolving notarial landscape.
New Notary Liaison
Kirsten is a New Notary Liaison and instructor at Notary Stars, guiding notaries as they take their first steps in the profession.
Drawing from years of notarial, customer service, and teaching experience, she focuses on helping notaries master the basics while building confidence and long-term business strategies.
Lead Instructor
Beth brings more than 20 years of experience in Title, Escrow, and as a Notary Signing Agent.
At Notary Stars, she develops and teaches courses ranging from foundational signing practices to specialized topics like reverse mortgages, equipping notaries with advanced knowledge to excel in the field.
Founder of Notary Stars
Ronnie is the founder of Unlimited Ink Notary, Notary Stars, and Remote Online Notary Network, and has over 15 years of experience as a Notary Signing Agent.
He specializes in Notary Business Marketing, helping notaries build strong local reputations and professional online presence.
Through resources like his Notary Business Wix Template, he equips notaries to secure valuable digital real estate and stand out in competitive markets.
Bilingual (Spanish) Instructor
Manuel is a bilingual instructor who brings both expertise and inclusivity to Notary Stars training.
By teaching in English and Spanish, he ensures notaries serving diverse communities are equipped to handle signings with professionalism and cultural awareness.
Why This Matters
These aren’t anonymous voices behind a course—they’re your mentors. With decades of combined real-world experience, they equip you with not just the “what,” but also the “how”:
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Learn how to avoid common signing mistakes.
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Leverage niching strategies like reverse mortgages or online notarizations.
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Get ongoing support, real examples, and up-to-date industry know-how.
Here Are Some Solid Suggestions of Supplies You'll Need as a Loan Signing Agent in
Chesapeake, Virginia
These are more than “nice-to-haves”—they are the backbone of efficiency and professionalism. Clients notice when documents are cleanly printed, neatly scanned, and properly documented. On the flip side, being unprepared with the wrong tools can cause errors, delays, and even loss of assignments. But supplies don’t end here. As you grow, you’ll discover specialized tools that can save you time, protect your liability, and enhance your notarial practice.
Visit the Notary Stars Notary Supplies page to explore the full toolkit we recommend for Loan Signing Agents and how the right supplies can set you apart from the competition.

Many loan packages must be printed on both letter and legal-sized paper. A dual-tray laser printer helps you produce professional, accurate documents without wasted time.
A portable, high-speed scanner is critical for returning scanbacks to title companies quickly. Delays or poor-quality scans can cost you repeat business.
Even in states where a journal is optional, maintaining one protects you legally and demonstrates professionalism.
Always carry plenty of legal- and letter-sized paper, along with black and blue pens to meet client and lender requirements.
Extra acknowledgment and jurat forms ensure you can correct errors on the spot without delaying a signing.
Once you are commissioned as a Notary Public, the next step for many professionals is pursuing additional training to become a Loan Signing Agent (LSA). Specialized education is what sets apart those who simply hold a commission from those who build a thriving notarial business.
Unlimited Ink Notary is proud to be a sister company to Notary Stars, a nationally recognized training platform that equips notaries with the knowledge and confidence to succeed. Alongside other trusted educators like Notary2Pro and My Notary Academy, these organizations provide structured, reputable paths into the loan signing industry.
As Us a Question About Becoming a Notary Public & Loan Signing Agent in
Chesapeake, Virginia
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