National Notary Association (NNA) Certified Signing Agent

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For Notaries Public looking to elevate their career and increase their earning potential, the National Notary Association (NNA) Certified Signing Agent (CSA) designation is the gold standard. As the mortgage and real estate industries rely heavily on mobile notaries to facilitate loan closings, this certification serves as a badge of trust, competence, and compliance. This guide provides an exhaustive breakdown of everything you need to know to achieve and maintain this prestigious credential.

What is the National Notary Association (NNA) Certified Signing Agent?

The NNA Certified Signing Agent (CSA) is a professional certification designed for Notaries Public who facilitate real estate loan closings. While a standard Notary Public handles general documents, a CSA is specially trained to handle complex mortgage loan packages.

  • Official Exam Name & Acronym: NNA Certified Signing Agent (CSA) Exam.
  • Conducting Body/Authority: The National Notary Association (NNA). Founded in 1957, the NNA is the largest and most influential organization serving Notaries in the United States.
  • Purpose of Exam: Professional Certification. It demonstrates that a Notary has passed a background screening and possesses the specific knowledge required to handle loan documents according to industry standards.
  • Geographic Validity: Recognized across all 50 U.S. States. Most major title companies and signing services require NNA certification as a prerequisite for employment.
  • Level of Competence: Specialist level. It signifies that the Notary has moved beyond “General Notary Work” into the specialized field of loan signings.
  • Brief History: The NNA established the CSA program to standardize the industry in response to the Gramm-Leach-Bliley Act (GLBA), which requires financial institutions to ensure the security of consumer financial information handled by third-party service providers.

Who Can Take the National Notary Association (NNA) Certified Signing Agent? (Eligibility Requirements)

Before you can become an NNA Certified Signing Agent, you must meet specific foundational requirements. Most importantly, you cannot be a Signing Agent without first being a commissioned Notary Public.

Eligibility Checklist

  • Active Notary Commission: You must hold a valid, current Notary Public commission in your state of residence.
  • Academic Requirements: There is no specific degree required; however, a High School Diploma or equivalent is generally expected for state notary commissioning.
  • Age Requirement: Must be at least 18 years of age.
  • Background Check: You must pass an annual NNA-standard background screening. This check is more rigorous than most state checks and is GLBA-compliant.
  • Documentation Checklist:
    • Proof of active Notary Commission (Certificate or Commission Number).
    • Valid Government-issued Photo ID (Driver’s License or Passport).
    • Social Security Number (for the background check).
    • Completed NNA application form (online).

Summary Table of Eligibility

Requirement Details
Prerequisite Current State Notary Public Commission
Minimum Age 18 Years
Background Screening Mandatory annual GLBA-compliant check
Language English proficiency (No specific TOEFL/IELTS required)
Citizenship U.S. Citizen or Legal Permanent Resident

How to Register for the National Notary Association (NNA) Certified Signing Agent

Exam Schedule & Availability

The NNA CSA exam is highly flexible. It is an on-demand, online examination. There are no fixed dates or testing windows; once you purchase your certification package, you can take the exam at your convenience, 24/7.

Exam Fees (Detailed Breakdown)

The NNA offers tiered packages that include the exam, background check, and training materials. Prices may vary slightly based on state-specific filing fees for background checks.

Package Tier Included Features Estimated Cost
Basic Package Exam & Background Screening only $70.00
Standard Package Exam, Screening, & CSA Training Course $190.00
Deluxe Package Exam, Screening, Training, & 1-year NNA Membership $290.00
Rescheduling/Retakes Included (up to a limit) in package fee $0.00

Booking Process

  1. Create an Account: Visit the official NNA website and create a profile.
  2. Select Package: Choose between Basic, Standard, or Deluxe.
  3. Background Check: Complete the background screening application. You must do this before the certification is finalized.
  4. Payment: Pay via Credit/Debit card or PayPal.
  5. Access Training: If you purchased a package with training, log in to the NNA Learning Center to begin.
  6. Launch Exam: Click “Take Exam” when you are ready.

Retake Policy

If you fail the exam, you are allowed unlimited attempts within the period your package is active (usually one year). There is no mandatory waiting period between attempts, though it is highly recommended to review the training materials before trying again.

Score Validity

The NNA CSA certification and background check are valid for one year (12 months). To remain “NNA Certified,” you must undergo a new background check and pass the exam annually to ensure you are up-to-date with changing lending laws.

National Notary Association (NNA) Certified Signing Agent Exam Format & Structure

Exam Format

  • Delivery Method: Computer Based Test (CBT) via the NNA website.
  • Proctoring: Unproctored, open-book. However, it is timed to ensure proficiency.

Timing & Duration

Feature Details
Total Duration 90 Minutes
Number of Sections 3 Sections
Breaks None (Timer does not pause)

Question Count & Types

The exam consists of 45 to 50 questions. All questions are Multiple Choice (MCQ) or True/False. There are no essay or practical demonstration components in the online exam itself.

Syllabus & Content Domains

Domain Topics Covered Weightage (Approx)
Notary Knowledge State laws, Notary certificates, identifying signers, journal entries. 30%
The Loan Closing Types of loans (FHA, VA, Conventional), Closing Disclosure (CD), The Note, Deed of Trust. 40%
Signing Agent Ethics SPW (Signing Priority Workgroup) standards, GLBA compliance, professional conduct. 30%

Official Reference Materials

  • NNA Signing Agent Training Guide: Provided with Standard/Deluxe packages.
  • Notary Signing Agent Code of Conduct: Developed by the Signing Priority Workgroup.
  • The NNA Notary Public Code of Professional Responsibility.

How is the National Notary Association (NNA) Certified Signing Agent Scored?

  • The Passing Threshold: You must achieve a score of 80% or higher to pass.
  • Scoring Mechanics: Each question is weighted equally. There is no negative marking (points are not deducted for wrong answers).
  • Result Declaration: Results are generated instantly upon submission.
  • Score Report: You will receive a breakdown of your performance by section, allowing you to see where you may have struggled.

How Difficult is the National Notary Association (NNA) Certified Signing Agent?

Overall Difficulty Rating: Moderate.

While the exam is open-book, it is not “easy.” The 90-minute time limit means you cannot look up every single answer. You must have a working knowledge of loan documents to navigate the questions efficiently.

Most Challenging Topics

  • The Closing Disclosure (CD): Understanding which figures go where and what the “Right to Cancel” dates should be.
  • The Note and Deed of Trust: Differentiating between these critical documents and knowing which requires notarization.
  • Ethics and Conduct: Identifying what a Signing Agent cannot do (e.g., giving legal advice or explaining loan terms).

National Notary Association (NNA) Certified Signing Agent vs. Similar Certifications

Feature NNA CSA Loan Signing System (LSS) Notary2Pro
Primary Purpose Compliance & Certification Marketing & Sales Training Technical Document Training
Background Check Included (Industry Standard) Not Included Not Included
Industry Recognition Highest (Required by most) High (Respected for skill) High (Respected for skill)
Cost $70 – $290 $200 – $500 $200 – $400
Renewal Annual Lifetime access (usually) Lifetime access (usually)

Pro Tip: Most successful Signing Agents get their certification and background check through the NNA (because hiring companies require it) but often take LSS or Notary2Pro for more in-depth “how-to” training.

How to Prepare for the National Notary Association (NNA) Certified Signing Agent

Recommended Study Timeline

  • Total Prep Time: 10–15 hours.
  • Week 1: Read the NNA Training Guide and the Signing Agent Code of Conduct.
  • Week 2: Review sample loan documents (Closing Disclosure, Note, Deed of Trust, Right to Cancel).
  • Exam Day: Take the practice quizzes provided in the NNA course before launching the final exam.

Best Study Resources

  • NNA Digital Course: The interactive modules are the most direct path to passing.
  • SigningAgent.com: Familiarize yourself with the directory where your profile will be listed.
  • YouTube Tutorials: Search for “How to explain a Closing Disclosure” to see practical applications of the exam content.

What to Expect on National Notary Association (NNA) Certified Signing Agent Exam Day

Since the exam is taken at home, your “Exam Day” is whenever you choose. Ensure the following:

  • Environment: A quiet room with no distractions.
  • Tech: A reliable internet connection and a laptop/desktop (tablets are not recommended).
  • Materials: Have your NNA Training Guide or notes open in a separate tab or printed out.
  • Check-in: There is no proctor to check you in. Simply log into your NNA dashboard and begin.

After Passing the National Notary Association (NNA) Certified Signing Agent

Passing the exam is only the first step. To start working:

  1. Complete Your Profile: Upload your photo and credentials to SigningAgent.com.
  2. E&O Insurance: Most companies require at least $25,000 to $100,000 in Errors and Omissions (E&O) insurance.
  3. Marketing: Register with signing services like Snapdocs, SigningOrder, and ZigSig.
  4. Continuing Education: Stay active in Notary forums and attend the annual NNA Conference to stay current on industry shifts (like Remote Online Notarization).

Frequently Asked Questions

1. How much can an NNA CSA earn?
Signing Agents typically earn between $75 and $200 per loan signing appointment, depending on the document count and travel distance.
2. Is the NNA background check different from my state’s background check?
Yes. The NNA check is specifically designed to meet the requirements of the Gramm-Leach-Bliley Act for the financial industry.
3. Do I have to retake the exam every year?
Yes. To maintain your “Certified” status on SigningAgent.com, you must pass the exam and the background check annually.
4. Can I take the exam before I get my Notary Commission?
You can purchase the package, but you cannot be certified until you provide a valid commission number.
5. What happens if my background check fails?
The NNA will provide a report. Common reasons for failure include undisclosed criminal records or issues with identity verification.
6. Is the exam open book?
Yes, the NNA allows you to reference your training materials during the exam.
7. How long does the background check take?
Typically 5 to 10 business days, though it can take longer depending on the county courthouse response times.
8. Do I need a printer to be a Signing Agent?
Yes, you will need a dual-tray laser printer to print loan packages on both letter and legal-sized paper.
9. Does the NNA provide me with work?
The NNA provides the certification and lists you in their directory, but you must market yourself to companies to get assignments.
10. Is Remote Online Notarization (RON) covered in the exam?
Basic concepts are covered, but RON often requires additional state-specific authorization and software training.

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