Not every document needs to be notarized, but many important legal, financial, and personal documents require a notary's seal to be valid. Here's a comprehensive breakdown of which documents typically require notarization and why.
Real Estate Documents
Real estate transactions are the single most common reason people need a notary. These documents almost always require notarization:
- Deeds - warranty deeds, quitclaim deeds, trust deeds, and deed transfers
- Mortgage documents - loan agreements, promissory notes, and closing paperwork
- Refinancing paperwork - new loan terms and title documents
- Home equity agreements - HELOCs and home equity loan documents
- Lease agreements - some commercial leases require notarization
Real estate closings often involve dozens of notarized signatures. A mobile notary (also called a loan signing agent) typically handles these at the closing table.
Legal Documents
- Power of attorney - both general and durable POA require notarization in most states
- Affidavits - sworn written statements used as evidence in legal proceedings
- Sworn statements and depositions - testimony given under oath
- Court filings - some motions, petitions, and declarations require notarization
- Contracts - while not always required, notarization adds legal weight to contracts
Financial Documents
- Loan applications - personal, business, and auto loans
- IRS forms - certain tax documents including Form 2848 (Power of Attorney)
- Financial affidavits - declarations of income, assets, or debts
- Trust documents - living trusts and trust amendments
Personal Documents
- Wills and codicils - requirements vary by state, but notarization strengthens validity
- Advance healthcare directives - living wills and medical POA
- Adoption papers - consent forms and adoption agreements
- Name change documents - petitions and supporting declarations
- Immigration documents - affidavits of support, translations, and declarations
Business Documents
- Articles of incorporation - formation documents for corporations and LLCs
- Partnership agreements - operating agreements and buy-sell agreements
- Commercial leases - lease agreements for business properties
- Business loan documents - SBA loans, commercial mortgages, and lines of credit
- Intellectual property assignments - patent, trademark, and copyright transfers
International Documents
Documents intended for use in another country often need both notarization and an apostille - a special certificate that authenticates the notary's seal for international use under the Hague Convention.
- Birth and marriage certificates
- Academic transcripts and diplomas
- Background check results
- Business registration documents
Documents That Usually Don't Need Notarization
Not everything needs a notary. These common documents typically do not require notarization:
- Standard employment contracts and offer letters
- Most personal letters and correspondence
- Basic invoices and receipts
- Non-disclosure agreements (though notarization can be added)
- Most insurance claims and forms
Need to get a document notarized? Find the best option for your situation in our complete guide to finding a notary, or compare costs in our notary fee guide.