How Do eClosings Work? How to Close on a Home Online

Once a buyer and seller have agreed to a deal on a home, there’s one final step, signing the closing documents. Traditionally, this involves spending a few hours in a title office, signing a thick stack of paperwork. The process can be tedious and time-consuming. But thanks to technology, buyers and sellers can now sign the final paperwork electronically with an eClosing.

But what exactly is an eClosing and what does it take to close on a home virtually? This guide will walk you through the process so you can be fully prepared for your next home closing.

What is an eClosing?

An eClosing, or electronic closing, is a home closing where all contracts are completed and signed online. The closing process is finalized via video chat with a remote, online notary.

How are eClosings different from a traditional closing?

eClosings turn what is typically a paperwork-heavy, in-person experience into a digital, streamlined one. Instead of gathering around a closing table, you can complete your transaction from your laptop, tablet, or smartphone.

With an eClosing, you can sign your documents in your pajamas, during your lunch break, or while on vacation. What used to take several hours can now be done in about 45 minutes. All you need is a good internet connection and a webcam.

Are there different types of eClosings?

Yes. There are two main types of eClosings.

• Remote Online Notarization (RON) eClosing: These are fully digital closings. All documents are signed electronically via a live video call with a notary.
• Hybrid eClosing: These are partially digital closings. Most documents are reviewed and signed electronically prior to closing, but some still require in-person signatures in front of a notary. It’s faster than a traditional closing but lacks many of the benefits of a fully digital closing.

What are the steps of an eClosing?

Here’s how a typical eClosing works:

1. Choose a lender and title company that supports eClosings.
2. Review your documents in advance.
3. On closing day, log in to the secure platform used by your title company.
4. A remote notary will guide you through the documents on a video call.
5. Sign electronically by clicking in the appropriate fields.
6. Verify your identity through a multi-step authentication process.

Your real estate agent may also be able to join the video call for support.

How do I prepare for my eClosing?

To ensure a smooth eClosing process, follow this checklist:

• Review your documents ahead of time and ask your lender or closing agent questions in advance.
• Use a device with a webcam, microphone, and speakers.
• Sit near your router for a strong internet connection.
• Choose a well-lit room, because you’ll need to show your ID on camera.
• Have your Social Security number and two forms of government-issued ID ready.

Where can I close on a home electronically?

eClosing eligibility depends on your state, county, lender, and title company. Remote online notarization is legal in most states, but local regulations vary.

How long does an eClosing take?

A fully digital closing usually takes about 45 minutes, compared to 2–3 hours for a traditional in-person signing. That means no need to take time off work, travel, or find childcare to complete a digital closing.

Is a digital closing secure?

Yes. Digital closings are approved by state authorities and follow strict identity verification protocols. You’ll answer questions based on your personal history and present your ID on video so the notary can confirm your identity. The signing platform also ensures document integrity and data security.

What are the benefits of an eClosing?

Here is a list of the major benefits of an eClosing:

• Faster process: eClosings usually take about 45 minutes, compared to around 2-3 hours for an in-person closing.
• Fewer errors: Digital platforms flag missing signatures in real time, so you won’t need to come back in to complete the paperwork.
• Convenient: You can close from anywhere, making it a more streamlined process. The closing documents can be reviewed in advance, allowing you to prepare and ask any necessary questions.
• Secure: eClosings offer enhanced identity checks, document protections, and more control over who has your information.
• Eco-friendly: Online closings reduce paper waste and the need to ship and print physical files.

Who should consider an eClosing?

If you live in a state where eClosings are allowed, it’s a great option. Whether you’re relocating, investing remotely, or just want a simpler closing experience, eClosings offer unmatched flexibility and convenience.

Are there extra fees associated for closing a home online?

Fees may vary depending on the lender and title company, but many do not charge extra for digital closings. Always confirm with your provider upfront so you’re informed about any additional fees.