# Can You Close on a House Online in Tennessee? Canonical URL: https://valor.mortgage/answers/can-i-close-on-a-house-online/ Page title: Can You Close on a House Online in TN? | Valor Mortgage By [Christopher Armantrout](https://valor.mortgage/about-us/), Licensed Mortgage Loan Originator · NMLS [#1210804](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210804) Last updated November 5, 2026 Rules accurate as of November 2026 Quick answer Sometimes. Tennessee has an Online Notary Public Act, and online real estate closings have been done here. Whether yours can be fully online depends on your lender, your title company and your county. Christopher says a client can technically close without ever leaving the house. Some closings mix online and in-person signing. Either way, your rights to review your documents stay the same. Rules on this page were checked on November 5, 2026 against the Tennessee Secretary of State and CFPB guidance. Program terms are subject to agency and lender guidelines and may change, and individual lenders can set stricter rules. ## E-closings December 15, 2025 · 20 seconds · [Watch on YouTube](https://www.youtube.com/shorts/h674zfxPjYk) **Transcript:** Yeah, well, AI, technology, those who adapt and use technology to the best of your abilities. The example to that is e-closings. I can technically never meet my clients and they can close online and never have to go to a closing or never have to leave their house to buy a house. E-closing availability depends on the lender, the title company and the county. The title company is your choice or your agent’s. ## What kinds of closings are there? | Type | How it works | |---|---| | In person | You sign the documents at the title company or attorney’s office. | | Hybrid | You sign some documents electronically, then finish the rest in person, such as those that need a notary. | | Fully online | You sign electronically and meet a notary by live audio and video. | | Mobile notary | A notary comes to you with paper documents. It’s another option if you can’t travel. | Availability depends on your lender, title company and county recorder’s office, and on the loan program. ## Is it allowed in Tennessee? Tennessee’s Secretary of State oversees online notaries under the Online Notary Public Act, Tenn. Code Ann. § 8-16-301 and following. But a notary is only one piece. Your lender and its investor must accept the loan documents that way, and the county needs to be able to record them. So ask your loan officer and your title company early, rather than assuming it will work. ## Who might this help most? - Buyers moving to Tennessee who aren’t here yet - Service members on orders or deployed - Someone with a health or mobility issue - Busy families who have trouble getting away during business hours Valor Mortgage works statewide by phone and online, and closes with the title company chosen by you or your agent. ## What stays the same? - You still need to receive your [Closing Disclosure at least three business days before closing](https://valor.mortgage/answers/what-happens-during-mortgage-underwriting/#final). - You still need a valid ID, and you’ll need to verify who you are. - You’ll still bring funds to close, usually by wire. - All parties to the loan may need to sign, so check on a spouse or co-borrower. ### Protect yourself against wire fraud Closing online doesn’t change this rule. Before you wire money, call your title company at a number you know is real and confirm the instructions. Scammers can send convincing emails with fake wire details. ## What should you ask? 1. Does this lender allow an online or hybrid closing on my loan? 2. Does my title company offer it in this county? 3. Which documents still need ink or a notary? 4. What equipment and ID will I need? 5. Are there any added fees? ## Online closing FAQ ### Do I need an attorney to close in Tennessee? Closings in Tennessee are commonly handled by a title company or a closing attorney. Ask your title company what applies to your transaction, or consult an attorney for legal advice. ### Can I close from out of state? Often, yes, with the right arrangements. A mobile notary or an online closing may be options. Plan ahead and ask your title company. ### Is an online closing faster? It can save travel time, but it doesn’t change the underwriting or the required disclosure timing. Lenders may also need extra time to set it up. ## Where these rules come from | Rule or figure | Source | As of | |---|---|---| | Online notaries in Tennessee | [Tennessee Secretary of State, online notaries](https://sos.tn.gov/node/1238) | Nov 5, 2026 | | Closing Disclosure timing | [CFPB, Closing Disclosure](https://www.consumerfinance.gov/ask-cfpb/what-is-a-closing-disclosure-en-1983/) | Nov 5, 2026 | ## Related answers and guides - [What happens during mortgage underwriting?](https://valor.mortgage/answers/what-happens-during-mortgage-underwriting/) - [Is title insurance required?](https://valor.mortgage/answers/is-title-insurance-required/) - [What happens at a first mortgage consultation?](https://valor.mortgage/answers/what-happens-at-a-first-mortgage-consultation/) - [More answers on buying a home](https://valor.mortgage/answers/#buying). - [About Christopher Armantrout](https://valor.mortgage/about-us/). [Call me at (615) 671-9178](tel:+16156719178). That’s the fastest way to get a straight answer on what you’d qualify for and how your closing could work. If it’s after hours, [grab a time on my calendar](https://valor.mortgage/book-your-appointment/). Pick a slot that works and I’ll call you then. If your life is too chaotic for a phone call right now — I understand — [start an application](https://valor.mortgage/purchase/) and I’ll review it and reach out with a plan. About the author [Christopher Armantrout](https://valor.mortgage/about-us/) Owner & Senior Loan Officer, Valor Mortgage NMLS #1210804 Christopher is a licensed Mortgage Loan Originator in the State of Tennessee and has been originating home loans since 2015. He founded Valor Mortgage in Springfield in 2019 and works with veterans, first-time buyers, self-employed borrowers, and families across Robertson County and Middle Tennessee. [More about Christopher](https://valor.mortgage/about-us/) [Verify this license on NMLS](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210804) **Valor Mortgage, LLC** · Christopher Armantrout, Mortgage Loan Originator, NMLS #1210804 · Valor Mortgage, LLC is powered by Encore Lending Group, LLC, NMLS #1249911 · Licensed in Tennessee · Equal Housing Opportunity 724 S Main St, Springfield, TN 37172 · (615) 671-9178 · christopher@valor.mortgage · [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210804) The dollar figures on this page are illustrative examples for general information only and are not an offer, a rate quote, or a commitment to lend. Actual interest rates and APRs vary based on loan program, borrower qualifications, property, market conditions and other factors. Program fees, limits and terms are set by the agencies named above and change without notice; all loans are subject to credit approval, income verification and property appraisal. Not all applicants will qualify. --- ## Contact Valor Mortgage - Christopher Armantrout, Senior Loan Officer, NMLS #1210804 - Phone: [(615) 671-9178](tel:+16156719178) - Email: [christopher@valor.mortgage](mailto:christopher@valor.mortgage) - Office: 724 S Main St, Springfield, TN 37172 - [Book an appointment](https://valor.mortgage/book-your-appointment/) · [Apply online](https://valor.mortgage/purchase/) · [Contact page](https://valor.mortgage/contact-us/) Valor Mortgage, LLC is powered by Encore Lending Group, LLC, NMLS #1249911 ([NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1249911)). Christopher Armantrout, Loan Officer, NMLS #1210804. Licensed in Tennessee. Equal Housing Opportunity. All loan programs, rates, terms, and conditions are subject to change without notice. Loan approval is based on borrower qualification, credit review, income verification, and property eligibility. Not all applicants will qualify. Not a commitment to lend.