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June 9, 2016

A comprehensive guide to Notary Pricing

It’s been a long time since I have written an article on pricing, so I feel it is high time! Most Notaries want to have a fixed fee and make tons of money. This is not always possible. The Notary market is a market with lots of little ups and down that a smart Notary needs to constantly adjust to. It’s smarter to have systems and formulas worked out ahead of time so you know how to react to these fluctuations.

There are fast days and slow days, monthly highs and lows, as well as changes in the market that happen over the years. There are also changes in who is competing with you in your area at a particular time. The key is to be flexible and learn how to charge accordingly. Here is how I would set my prices.


1. Time Involved
A smart Notary should charge based on how much time is spent. Notary jobs during rush hour involve more time. Jobs that involve printing more than the average amount of pages should be billed accordingly. Smart Notaries ask who the Lender or Bank is. This is because the name of the Lender can determine with some accuracy the size of the package. Signing companies lie about package sizes which is why smart Notaries ask. Additionally, there are many loan types and some require more time. Refinances are faster, while Construction Loans are longer but have more professional and businesslike signers. Reverse Mortgages, VA, and FHA take more time. Piggy Backs are double signings and have double the pages and double the Notary work. Time for doing a signing is based on these components:

Negotiating Time — Some companies are easy and pleasant to deal with. If it is fast getting assignments faxed or emailed to you and easy to confirm with the borrower, take notes of that time. It can differ from company to company.

Printing Time — Notaries should charge by the page for e-documents. Printing takes time, and often involves waiting for documents to be ready which can be hours if you work with irresponsible companies.

Driving Time –Factor in how much time it takes to get from point A to B. Keep notes so you’ll know how to charge for jobs to particular cities in the future.

Signing time — Some Lenders have loans that get signed quickly. Some Lenders answer the phone and get situations handled quickly while others don’t.

Loan Type Influences Time Spent — VA & FHA signings are just plain longer. Reverse Mortgages are for the elderly who are less businesslike and might need a lot more time to sign. Power of Attorney signings are the most likely not to fund, so take that into consideration. Piggy Back loans are double the signatures and double the notarizations. But, once everyone has sat down and you have your journal out, it goes quickly.

Fax Back Time — Fax Backs are a pain in the rear, but they serve a purpose. Signing companies can hire newbies and get away with it, because the signing company can check your work before it gets sent back to Title. They no longer need experienced Notaries. However, fax backs take time, so if your time is worth something, charge for each page faxed back.

Cancellation Rate Time Waste — Factor cancellation rate and billing time into the price.

Billing Time — Some companies pay on the first request while others require hounding.


2. Expenses Itemized

Printing Documents — is not only time consuming but costs money. You are using up paper, toner, cartridges, ink, and using up your time to restock what you used up. Charge accordingly.

Car Expenses — Driving a car is not free. Tires wear down, brakes wear out, plus you need to change the oil, filters, shocks, transmission, and more. So, in addition to time, try to work a mileage fee into your pricing in addition to charging for time.


3. Track Record & Risk of Not Getting Paid

Late Documents — If the signing company or title company was late getting your edocuments in the past, make a note of that. Keep detailed records of each company. Record how fast they paid you on each job. Recalculate their average days to payment every month just to keep records updated. Also, keep records for how late they are sending edocuments or how incompetent they are about keeping their borrowers informed. If you are dealing with a flake, charge more.

Unknown PartiesIf you accept a job from an unknown lender, or one with a bad reputation online, you might charge more, or make them pay up front. You should always charge extra when there is any type of risk involved. . These signings assume risk. Some of the risk is spending an unpredictable amount of time or not getting paid at all.


4. Payment Terms
If a Lender will only pay you if the loan funds, you need to charge more. Some Lenders will not pay your printing fee if the job gets cancelled, so make sure you know what the terms of the agreement are. Some will pay part of a travel fee if the job gets cancelled mid-way. However, the signing company booked your time, and you can’t give your leftover time to some other company at the last minute just because they needed to cancel. You have to commit your time to them, but do you make companies commit to paying you?

I personally feel that Notaries should set their own terms. You are not a bank, and it is not your job to gamble on whether or not a loan funds. You should be paid before, or within 72 hours of a signing in my opinion. But, you can make your own terms. Beginners have to accept the terms dictated to them, but old pros can make their own terms and get away with it. However, if you do accept terms that limit your ability to guarantee payment, charge a lot more.

Recommended Reading:
Issues to consider when creating a signing agent services contract


5. Travel Fees for Non Loan Signing Work
Most Notaries charge $25 to $50 travel fee, and more if it is for jails or hospitals. You also charge by the signature on top of the travel fee. Charge based on how valuable your time is worth. If you are desperate for work, charge less. If your time is limited, charge more. If you have lots of other things to do, you have less supply of time so you can charge more — this is a strategy to consider — so stay busy my friends.


6. Jails & Hospital Notary Jobs
Charge more for jails and hospitals because these are the jobs where there is a lot more that can go wrong. You also will not be dealing with the cream of the crop. You can get stood up at a jail. Inmates do not have ID and your credible witness or ID carrier might not show up. ID’s might be expired. Hospital patients are often drugged making it impossible to notarize them. Half of them can’t even hold a pen, so how can they possibly sign? Consider this when deciding upon your jail & hospital travel fees which should be $60 to $150 depending on how greedy you are! Some Notaries are afraid to go to jails, but it is safe, and that is where you can make money fast. Just make sure you have them read their ID to you over the phone including expiration date or you will be very sorry. Also, get your travel fee in cash at the door BEFORE you see the signer. They might not be available or might not want to sign! Be prepared!


7. General Pricing Models
Keep in mind that a few years ago, Notaries could get paid a lot more. With Snapdocs and lower demand, companies can pay a lot less and get away with it.

Situations where you charge more or less
(1) Charge less during the first 17 days of the month. It is slower, and you have more time.
(2) Charge more during the end of the month. Additionally, you can charge more if you schedule a job several days in advance because you might miss out on a better offer. Additionally, jobs scheduled in advance in my day had a 25% cancellation rate which will wreak havoc on your schedule.
(3) Charge less if you are having a slow day and someone needs a last minute signing. If you are doing nothing, why not sell that time.
(4) eSignings have less physical pages, but often take longer because the signer and their spouse need to take turns looking at the computer screen not to mention the chance of delays due to technical issues.
(5) Charge extra if there are three or more signers on a loan.
(6) Charge more if the company cancels a lot
(7) Charge less if a company has a good track record and is easy and fast to deal with — or pleasant!
(8.) Charge more if there are lots of signatures to notarize.

Pricing Recommendations For Beginners. 0-500 signings

Basic Signing $60-$80
E-Documents: $10-$25 extra per double set or 7 cents per page
Pickups: $25 extra
Dropoffs: $20 extra — there is less waiting time during dropoffs
Reverse Mortgages: $100
Piggy Backs: $100
Regular Notary Work Travel Fee: $30 if within 30 minutes
Jail & Hospitals: $50

Pricing Recommendations for Intermediates. 500-3000 signings
Basic Signing: $80-$120; E-Documents: $20-$40 or 10 cents per page; Pickups: $30 extra; Dropoffs: $25 extra; Reverse Mortgages: $125; Piggy Backs: $125; Regular Travel Fee: $40 if within 30 miles; Jails & Hospitals: $70

When to charge in advance
You are not a bank and you should not offer endless credit to any signing company. Some of them will string you along and not pay you or play games with payments making it unclear which job they are paying for. Decide in advance how much credit to give each company and keep records. If you have a six month track record with a company and they pay you on time, you might offer them credit for six jobs. For all others, do one or two jobs, but don’t do any more until you get paid. It is not a bad idea to charge up front with Paypal, but few companies will pay a beginner up front. Ken, our seasoned Notary always gets paid up front, but he is a pro.

(1) New Companies — do one job, but don’t do a second until you get paid for the first unless they have a stellar record for payment on the forums.
(2) Some Track Record — do two jobs, but don’t do a third until you get paid for the first.
(3) Good Track Record — Watch out: good companies can turn bad if they experience financial difficulties or labor shortages. Do not offer credit for more than six jobs no matter what. A good track record should be over at least six months.

Don’t complain
There are many Notaries who have gone out of business because there is too much competition for too few jobs. If you are getting paid, getting experience, and staying afloat, you are ahead of the game. Many Notaries have this idea that they should get $125 per signing ever time. Unfortunately, it no longer works like this. So, take what you can get and just do your best! If you get more experience, you will be worth more in the long run. Additionally, the market could have an upswing at any time, so keep a positive thought.


You might also like:

Do you have to be a CSS to get work these days?

A great attitude gets most of the jobs

Notary Marketing 102’s guide to negotiating Notary fees

Notary Public 102’s guide to Notary pricing



  1. Great article and to the point.

    Thank you for the share.

    Comment by Annabananna — June 16, 2016 @ 2:21 pm

  2. Great article. Does my heart good to know that I am already doing most of what is written. However, refreshers are always good. Thank you.

    Comment by Liz Head — June 16, 2016 @ 2:38 pm

  3. THIS article should be read by anybody who does signings! Well written. =D

    Comment by betty — June 16, 2016 @ 5:03 pm

  4. When I first started in 2004, most jobs paid $100.00 to $125.00 with $150.00 on a Saturday.
    I agree very much with your comments regarding pricing. Most recently took one of the jobs through snap docs, turned out to be 185 pages per copy plus additional 15 pages of “samples” and 3 times the quoted fax backs when I accepted the job. Requested additional $25.00 and was approved. I most likely will just not accept another one.

    Her in Detroit, I am as busy as I care to be (31 closings since June 1st), My biggest customer usually ships docs to borrower (includes ink pens, shipping supplies) and borrower has either seen everything on line or they have been fully briefed. This company pays half of what I use to get when I started, but the packages are about 80 pages (that I don’t usually print), no copies of ID required, most signature lines are already dated, only notarize the name affidavit and mortgage and closings take 30 minuets or less. Also, I have never, ever had to chase them for payment.

    One other note to any new contract-closer (aka notary signing agent) that has helped me over the years, learn to “read the room” that is, some people just want to sign, some want to be informed and others need a little attention.

    Comment by Ted Wagner — June 16, 2016 @ 10:16 pm

  5. I also suggest what I call a confirmation of the confirmation. Some companies don’t supply all the information needed to be a firm contract between the parties. So I send my form that spells out what I’ll do, what I expect them to do, fees and when payment is due. If they don’t cancel the closing after I send that, they have accepted my terms and the contract is formed. Like Judge Judy says, if it’s not on paper, it doesn’t count.

    Comment by IKanDo — August 8, 2016 @ 6:45 pm

  6. Excellent commentary and reviews. All good information to make note of in this market.

    Comment by Sandra J Ray — December 10, 2018 @ 3:57 pm

  7. 4. Payment Terms
    If a Lender will only pay you if the loan funds

    This is illegal, at least in NY state. It gives the notary a financial interest in what they notarize.

    Comment by Kenneth Alan Edelstein — December 10, 2018 @ 6:04 pm

  8. This was very helpful. Thank you very much.

    Comment by Kalation A Washington — March 1, 2019 @ 8:18 pm

  9. I recommend the below. Direct from title. If a signing service calls, I quote the same fee.
    Lets keep doing this and change the status quo.

    1) FLAT FEE of $250.00 per closing from a notary company. If first trip refused, and u have to take a second trip, a minimum of $40 trip free. IF entire signing cancelled, Trip free of $40 + Print Fee of $35 and what every you feel your time is worth.
    Reason: Milk, gas and rent and every damn thing gotten expensive. $450 the fee charged as settlement, included this for your time, travel and effort.

    1) FLAT FEE of $350 , includes scans, wait for disbursement and cutting out checks.

    Why do i quote these fees. COZ I do get this for each and every signing I undertake.

    #BLM , Support the movement and change in social mindset

    Comment by George Floyd — June 8, 2020 @ 3:24 pm

  10. i charge $250 per refi and $350 per Purchase ( I get paid same day. The title compamy sends extra check to write myself a amount and then cut the checks for disbursement. One title company balks and is kinda cheap. While they pay other notaries $125 to $175, I charge them $200 per refi and $250 for purchase.
    Signing companies cannot match and hence do not call me. I asked them to take me off.
    Once can run like a dog and be panting by the end of the day and live with uncertainity of jobs ( If being full time dependent on closings as a vocattion) or take one nice paying job and do other productive things in life

    Comment by RayDiallo — June 9, 2020 @ 5:36 am

  11. With Remote Online Notarizing being available and the costs to be able to do RON, what are Notaries charging? Also, I would like to take your phone quiz so I can use your site for advertising.

    Comment by Gary Bowers — June 20, 2020 @ 5:08 pm

  12. I would love to charge $250 for Refis and $350 for Purchases, but it begs the questions of: 1.) does your local market bear those kinds of fees?; and 2.) Are you one of those 500-3K NSAs who’s experience can command those fees?

    Comment by Richard Jackson — April 8, 2021 @ 7:01 pm

  13. I have done hospital signings but have stayed away from. It is just plain scarry to think of going into a jail. No one has asked me to do that yet ao I guess Im good. lol

    Comment by Bernadette Jacoban — April 9, 2021 @ 2:30 am

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