The video teaches notary loan signing agents how to package loan documents efficiently by first understanding the three key parties in a mortgage transaction—escrow company, title company, and lender—and their specific roles. It explains that escrow acts as a neutral middle‑man, the title company validates ownership and records liens, and the lender provides the funds and receives most original documents. The presenter stresses that packaging is essentially returning each party’s original documents and providing them with copies of the other parties’ paperwork. A systematic cheat‑sheet method is introduced, outlining a step‑by‑step process (A, B, C) for organizing originals, copies, and using simple tools like binders, paper clips, and trash cans—all typically supplied by the escrow office. By mastering this workflow, agents can differentiate themselves from peers who merely walk in and out of escrow offices, positioning themselves as highly professional and efficient loan signing agents.
Chapters
Packaging is technically the escrow officer's job. So if you can do something that takes a task off the escrow officer plate, it will separate you from every other notary public loan signing agent out there who simply walks in their loan documents and walks out of the escrow office. What makes packaging so valuable and what makes it tough to learn is you do have to have a basic understanding of the mortgage process. But once you understand that process, it's much easier to understand the the of packaging. There are three parties to every mortgage transaction. There's the escrow company, there's the title company, and there's the lender or also known as the bank. Let's get to know who these three parties are and their specific roles in the mortgage process. Let's start with the escrow company. An escrow company is a license neutral third party that distributes legal documents and funds on behalf of a buyer and seller. Or more simply, they are the middleman. They are the police to make sure that the seller, the lender and the borrower all follow through on their agreed upon terms. The seller doesn't get any less than what they agreed upon and the buyer doesn't pay any more than what they agreed upon. Same goes between the borrower and the bank. The bank agreed to only charge the borrower X fees and the escrow makes sure the borrower only gets charged X fees. Escrow is a neutral third party to make sure everyone behaves. Their role is to keep track of what's going on between the borrower and the lender. And the title company escrow keeps records of what's going on between all parties during the mortgage transaction. Next, there's the title company. The title company makes sure that a piece of real estate is actually legitimate, then issues title insurance for that property. That protects both the lender and the owner from lawsuits as a result of title disputes. Their main responsibility in mortgage transactions is to accurately record liens, lien holders and ownership to the property. In the transaction, Title's role is to be in charge of anything that's being recorded against the property. Lastly, their job is to make sure that all liens, ownership and lien holders are recorded with the county the property resides in. Last but definitely not least, there's the lender. The lender is the bank that is lending the money. The lender has the biggest role in the process because without them lending the money, there would be no need for a title or escrow company. And this is the main reason why the majority of documents in your loan signings are actually lender documents. Now that you know that there's three parties to every mortgage transaction, the next thing you need to know is that each party wants their specific paperwork back that you had to borrow or sign. Once you've returned their specific documents back to the rightful owners, the three parties then want copies of the other party's paperwork, and that is packaging, separating the loan documents and giving them to the rightful owner, and then giving them copies they want from the other party's paperwork. Truly understanding everyone's role in the process will make it so much easier to learn on who to give what to. For instance, if the lender is lending the money and the note is what the borrower signs to ensure the lender gets paid back, it should make sense that the lender gets the original note. So really try to learn why document goes back to a specific party instead of just memorizing where it goes. So before you can understand why a certain document goes back to the respective party, you should have a good understanding of what all the documents are. Just like I have a loan signing system, I have a packaging system, Something that's meant to be followed A, B, C. So what I've done is created a cheat sheet where it's a very simple, methodical way to package loan documents. So don't overthink it. What you need to be doing at every single package that you do early on is you make sure you bring out the cheat sheet that I created for you guys. This is a very simple way I'm having to package loan documents. So nonetheless, we have the escrow, we have the title, and we have the lender packages. So I want to make sure you guys understand where I'm placing these originals and to whom they're going to. So now, you know, escrow has all the copies that they need, and they have all their originals. You know, the title company has all the copies they need, and they have their originals. And you know, the lender has all their copies and all their originals. So all we do is put these together just like this, Just like this. And then you get the binder clippers. Once again, these binder clippers. And I've kind of did a makeshift version here, so I can show you how to package. But once again, when you're having a packaging section like this, there will literally be a place for binders, There will literally be a place for paper clips, There will be trash cans, There will literally be a copy machine. So for the sake of this video, obviously I have it nice and handy. But don't think that you have to search for these binder clippers. You don't need to pay for the binder clippers. All this is on the escrow's dime. You just need to learn how to package. They take care of everything else. Anyhow, I digress. So we have the escrow package. We have the title package. Now you know why it's called packaging. So the escrow company literally puts this in their file. The title. They literally ship this to the title company. And all you have left is the lender package. When you master how to package, you will be better than 90% of loan signing agents out there. Period. I look forward to helping you become a great loan signing agent.
