RON for a loan modification is a three-part question: lawful notarial act, servicer/investor permission, and recorder/title acceptance when recording is required—not a guarantee from Florida RON law alone.
Published and reviewed by iRemoteNotary
Last reviewed September 21, 2026
Sometimes. A loan modification document may be remotely notarized when (1) the notarial act is legally permitted where the notary performs it, (2) the lender, mortgage servicer, and investor permit that electronic or RON workflow for your file, (3) any title requirements are satisfied, and (4) if the document must be recorded, the applicable recording office accepts the remotely notarized instrument.
Do not treat Fannie Mae policy permission, or the fact that a U.S. online notary may lawfully perform RON, as automatic approval for every servicer package.
iRemoteNotary does not negotiate, arrange, approve, recommend, or obtain loan modifications. We perform notarial acts and signing support for completed documents prepared or authorized by a lender, mortgage servicer, attorney, title company, or other authorized party.
| Gate | What to confirm |
|---|---|
| Notary law | The online notary’s commissioning-state law permits the remote act for that document |
| Servicer / investor | Your mortgage servicer authorizes electronic/RON execution for this package |
| Recording | If recordation is required, the county recorder accepts remotely notarized instruments |
| Title | If the instrument amends the security instrument, title requirements may also apply |
This page is about remote online notarization of lender- or servicer-prepared loan modification agreements after origination—not about purchase closings or refinance eClosings. For general closing RON, see how remote online notarization works for real estate closings.
Ask these questions before booking—not after the session.
First: is the notarial act lawful for a remote online notarization under the online notary’s commissioning-state law and the certificate presented?
Second: does the mortgage servicer (and investor, where applicable) permit electronic signatures and remote notarization for this modification file?
Third: if the agreement must be recorded, does the recording jurisdiction accept a remotely notarized instrument, and do any title conditions apply?
Current Fannie Mae Selling Guide A2-4.1-03 states that Fannie accepts delivery and servicing of loans with electronic documents—including security instruments or mortgage loan modification agreements—that have been electronically notarized in person or remotely using real-time two-way audio/video, when the notarization is legally valid under the laws of the state where it is performed and complies with applicable UETA and ESIGN requirements.
Fannie’s Flex Modification guidance also states that electronic documents, signatures, and notarizations for Flex Modifications are acceptable when the electronic record complies with Fannie’s requirements.
Fannie policy can permit RON. It does not mean your particular servicer has approved iRemoteNotary for your package, that wet-ink alternatives may be ignored, or that every county will record the result. A lender may not require a borrower to use remote notarization and must have other notary options available upon request under Fannie’s RON standards.
Current Fannie processing procedures for Flex Modifications require recordation when necessary to ensure the modified mortgage retains its first lien position and enforceability, or when the agreement includes assignment of leases and rents provisions. When recordation is required, Fannie’s RON standards also require that the county recorder accept the remotely notarized document.
If the remotely notarized document is a security instrument or an amendment to a security instrument, additional title-related requirements may apply under Fannie’s guide. Confirm with the servicer and any title provider named in the package.
Servicers may require wet-ink originals, hybrid packages, electronic originals, scanbacks, overnight return labels, or custodian delivery. Use only the final prepared document. Complete identity verification as required for the session. Do not invent seals on pages that do not call for a notarial act.
For Form 3179-specific Flex Modification details, see Does Fannie Mae Form 3179 need to be notarized?.
Have a lender- or servicer-prepared loan modification document that may need remote online notarization? Verify acceptance, then send the unsigned final package.
Fannie Mae policy can permit electronic notarization and remote online notarization of mortgage loan modification agreements when its requirements and applicable law are met. You still must confirm that your servicer’s workflow and any recording/title requirements allow that path for your file.
No. Investor policy permission is not the same as transaction-specific servicer approval.
Recorder acceptance of a remotely notarized instrument matters. Ask the servicer which recording path applies before booking RON.
No. iRemoteNotary does not negotiate, arrange, approve, recommend, or obtain loan modifications. We perform notarial acts and signing support for completed documents prepared or authorized by a lender, mortgage servicer, attorney, title company, or other authorized party.
The following primary sources support the legal and procedural information in this guide. Requirements can change, so confirm current rules with the receiving organization before relying on a notarized document.
A2-4.1-03, Electronic Records, Signatures, and Transactions(opens in a new tab)
Fannie Mae
Accessed September 21, 2026
D2-3.2-06, Fannie Mae Flex Modification(opens in a new tab)
Fannie Mae
Accessed September 21, 2026
F-1-27, Processing a Fannie Mae Flex Modification(opens in a new tab)
Fannie Mae
Accessed September 21, 2026
What is a mortgage loan modification?(opens in a new tab)
Consumer Financial Protection Bureau
Accessed September 21, 2026
Send the unsigned final servicer document only after confirming that remote online notarization is permitted for your modification package.