Remote Closing vs In-Person Closing: What Utah Buyers Should Know

The COVID-19 pandemic accelerated a revolution in real estate closings that was already underway. What once required gathering around a conference table for hours of document signing can now happen from your living room couch. Remote online notarization has transformed how Utah buyers and sellers complete real estate transactions.

But is remote closing right for your transaction? While the technology offers undeniable convenience, it's not ideal for every situation or every buyer. Understanding the differences, advantages, and limitations of both remote and in-person closings helps you make an informed choice.

As a Utah title company that's facilitated thousands of closings over nearly 60 years, Prospect Title offers both traditional in-person closings and cutting-edge remote options. This guide explains how each method works, what to expect, and how to decide which approach fits your needs.

What Is Remote Closing and How Does RON Work?

Remote closing, also called remote online notarization or RON, allows you to complete your real estate closing entirely online without visiting a title company office. The process uses secure video conferencing technology combined with electronic document signing and identity verification.

Here's how a typical remote closing works in Utah:

1. Pre-closing document review: You receive electronic copies of closing documents to review before the scheduled closing time
2. Identity verification: Using specialized software, you verify your identity by presenting a government-issued photo ID to the camera, answering knowledge-based authentication questions, and sometimes providing biometric verification
3. Video conference session: At the scheduled time, you join a secure video conference with a remote online notary commissioned in Utah
4. Document review and signing: The notary guides you through each document, explains what you're signing, and witnesses your electronic signatures in real time
5. Electronic notarization: The notary applies their electronic seal and signature to the documents
6. Recording and completion: The title company electronically records the documents with the county recorder and completes the transaction

The entire session is recorded and stored securely, creating a comprehensive audit trail that actually exceeds what's captured in traditional in-person closings.

Utah's Legal Framework for RON

Utah was an early adopter of remote online notarization legislation. The Utah Electronic Notary Public Act (Utah Code Section 46-1-16 and related provisions) established the legal foundation for RON in 2019, and county recorders across the state accept remotely notarized documents.

Utah law requires RON platforms to:

• Verify the identity of the person appearing before the notary
• Create an audio-visual recording of the entire notarization session
• Use technology that creates a tamper-evident seal on electronic documents
• Maintain recordings and electronic journal entries for at least 10 years
• Use credential analysis and identity proofing technologies approved by the Lieutenant Governor

What Happens During a Traditional In-Person Closing?

In-person closing is the traditional method that's been used for decades. Despite the rise of remote options, many Utah buyers still prefer the face-to-face interaction and tangible nature of in-person closings.

Here's the typical in-person closing process:

1. Closing scheduled: The title company schedules a closing appointment at their office, typically 30-60 minutes
2. Travel to closing: You drive to the title company office at the appointed time
3. Document review: A closing agent or attorney reviews each document with you, explaining what you're signing and answering questions
4. Signing: You physically sign paper documents in the presence of a notary public
5. Notarization: The notary verifies your identity using photo ID, witnesses your signature, and applies their seal
6. Funds delivery: If required, you provide a cashier's check or confirm wire transfer
7. Post-closing: The title company records documents with the county and disburses funds

In-person closings offer the advantage of having an experienced professional walk you through potentially the largest financial transaction of your life, with the ability to ask questions and get immediate answers.

How Do Remote and In-Person Closings Compare?

Both closing methods accomplish the same legal result—transferring property ownership—but the experience and requirements differ significantly:

What Are the Advantages of Remote Closing?

Remote closing offers compelling benefits that have driven rapid adoption across Utah:

Convenience and Time Savings

The elimination of travel alone saves an hour or more. For buyers in rural Utah communities or those purchasing property in different parts of the state, remote closing eliminates lengthy drives to title company offices. A buyer in St. George can close on a Park City property without making the four-hour drive.

You can close from anywhere—your home, office, or even while traveling. One Prospect Title client closed on their Utah vacation home while sitting in their primary residence in another state, making the transaction seamless.

Scheduling Flexibility

Remote closings can be scheduled outside traditional business hours. Early morning, evening, and weekend closings are much easier to arrange when nobody needs to staff a physical office. This flexibility is valuable for buyers with demanding work schedules or those coordinating closings in multiple time zones.

Better for Out-of-State Buyers

Utah attracts significant out-of-state real estate investment. Remote closing means buyers don't need to fly to Utah for closing, saving travel expenses and time. This is particularly valuable for investors purchasing rental properties or vacation homes.

Enhanced Security Features

While it might seem counterintuitive, remote closings offer security advantages:

• Multi-factor identity verification is more thorough than simple ID checks
• Complete video recording creates an audit trail that doesn't exist with in-person closings
• Encrypted documents and tamper-evident seals prevent alteration
• Electronic delivery reduces the risk of documents being lost or stolen in transit

Social Distancing and Health Safety

While less pressing than during the pandemic, remote closing eliminates health concerns related to gathering in enclosed spaces. This remains relevant for immunocompromised individuals or during flu season.

Immediate Document Access

With remote closing, you receive electronic copies of all signed documents immediately. There's no waiting for paper copies to be mailed, and you can't lose important documents. Your closing paperwork is securely stored digitally and accessible whenever needed.

What Are the Advantages of In-Person Closing?

Despite the convenience of remote options, in-person closings continue to be popular for good reasons:

Face-to-Face Personal Service

Many buyers, particularly first-time homebuyers, value the personal interaction and reassurance of meeting their closing agent face-to-face. There's something comforting about having an experienced professional physically present to guide you through what can feel like an overwhelming process.

In-person closings allow you to read body language, build rapport, and feel more connected to the transaction. For many, buying a home is an emotional milestone, and doing it through a computer screen can feel impersonal.

Easier for Less Tech-Savvy Buyers

Not everyone is comfortable with technology. Older buyers or those who aren't technologically inclined may find in-person closings less stressful. There's no need to worry about internet connections, software compatibility, or navigating unfamiliar platforms.

Better Question-and-Answer Dynamic

While you can ask questions during remote closings, some people find it easier to speak up and engage in conversation during in-person meetings. The natural flow of conversation is different face-to-face versus on a video call.

No Technology Requirements

In-person closings require no special technology, internet connection, or equipment. You just need to show up with your ID. For buyers without reliable internet or adequate devices, in-person closing is the practical choice.

Immediate Availability for Questions

If complications arise or questions emerge that the closing agent can't answer, having everyone in the office means they can quickly consult with supervisors or attorneys. While this can happen during remote closings too, the logistics are simpler in person.

Universal Acceptance

Every lender, every title company, and every party accepts in-person closings. There's no question about whether it's allowed or whether the other party will participate. It's the default option that works in any situation.

What Are the Potential Drawbacks of Each Method?

Both closing methods have limitations worth considering:

Remote Closing Challenges

• Technology requirements: You need working equipment and reliable internet, which may not be available in rural areas or to all buyers
• Learning curve: First-time users may find the technology intimidating or confusing
• Lender restrictions: Not all lenders accept RON, particularly smaller local banks or credit unions
• Impersonal feeling: Some buyers feel disconnected doing such an important transaction through a screen
• Cybersecurity concerns: While platforms are secure, any online activity involves some cyber risk
• Technical issues: Internet outages, computer problems, or platform glitches can disrupt the closing

In-Person Closing Challenges

• Travel time and expense: Driving to the title company (potentially hours for rural buyers) and taking time off work
• Scheduling constraints: Limited to business hours and office availability
• Location requirements: Difficult for out-of-state buyers who must arrange travel to Utah
• Document turnaround: Paper documents take longer to record and distribute
• Coordination challenges: When buyers and sellers close at different times or locations, delays can occur
• Limited audit trail: No video recording of the session; only notary journal entries

How Secure Are Remote Closings?

Security is a common concern about remote closings. Here's how RON platforms protect your transaction:

Identity Verification Process

RON platforms use multi-layered identity verification that often exceeds in-person checks:

• Credential analysis: Software analyzes your government ID for authenticity, checking security features and detecting forgeries
• Knowledge-based authentication: You answer questions derived from your credit report and public records that only you would know
• Biometric verification: Facial recognition technology compares your live image to your ID photo
• Multi-factor authentication: Often requires email verification, phone verification, or other secondary authentication

Session Recording and Audit Trail

Every RON session is recorded from start to finish. The video recording captures:

• The entire identity verification process
• All conversation between you and the notary
• The presentation and signing of each document
• The notary applying their electronic seal

These recordings are stored securely for at least 10 years, providing evidence of proper procedure that far exceeds the basic journal entries from in-person closings.

Document Security

Electronic documents in RON systems use:

• Encryption: Documents are encrypted during transmission and storage
• Tamper-evident seals: Technology detects any changes made to documents after signing
• Secure platforms: Documents are hosted on secure servers with access controls
• Digital certificates: Electronic notary seals are secured with digital certificates

Platform Requirements

Utah law requires RON platforms to meet specific security standards. Title companies like Prospect Title use platforms that comply with these regulations and undergo regular security audits.

What Technology Do You Need for Remote Closing?

The technology requirements for remote closing are modest and accessible to most Utah buyers:

Essential Equipment

• Device with camera and microphone: A laptop, desktop computer, tablet, or smartphone with a functioning camera and microphone for video conferencing
• Internet connection: Stable high-speed internet with minimum speeds of 3-5 Mbps for smooth video
• Government-issued photo ID: Driver's license, passport, or state ID card
• Email access: To receive closing documents and the RON session link

Recommended Setup

• A computer or tablet is preferable to a smartphone for easier document review
• A quiet, well-lit space free from interruptions
• A printer if you want paper copies (optional but convenient)
• A wired internet connection if possible for maximum stability

Software Requirements

Most RON platforms are browser-based, requiring no special software installation. You'll simply click a link provided by your title company and join the session through your web browser. The platform works on:

• Windows PCs and Mac computers
• iPads and Android tablets
• iPhones and Android smartphones

Your title company will provide technical support and a test session before closing to ensure everything works properly.

Which Closing Method Should You Choose?

The best closing method depends on your specific situation. Consider these factors:

Choose Remote Closing If:

• You're comfortable with technology and have reliable internet
• You're purchasing from out of state or far from the title company office
• You have scheduling constraints that make business-hour closings difficult
• You value convenience and time savings
• You want immediate electronic access to all documents
• Your lender approves RON closings

Choose In-Person Closing If:

• You're uncomfortable with technology or lack reliable internet
• You prefer face-to-face interaction for such an important transaction
• You're a first-time homebuyer who wants extra personal guidance
• Your lender doesn't accept remote closings
• You have complex questions you want to discuss in person
• The title company office is conveniently located

Hybrid Options

Some title companies offer hybrid closings where you can:

• Review documents electronically before an in-person signing
• Complete some documents remotely and others in person
• Have a representative come to your location for in-person signing (mobile notary)

Prospect Title works with buyers to customize the closing experience to their needs. If you're uncertain, discuss your concerns with your closing coordinator—they can help you choose the best approach for your situation.

How Does Prospect Title Support Both Closing Methods?

As a Utah title company with nearly 60 years of experience, Prospect Title offers both traditional and innovative closing options:

Our Remote Closing Services

• Secure, state-approved RON platform
• Experienced remote online notaries
• Technical support and pre-closing test sessions
• Flexible scheduling including evenings and weekends
• Immediate electronic document delivery
• Support for out-of-state buyers

Our In-Person Closing Services

• Comfortable conference rooms at convenient Utah locations
• Experienced closing agents who explain every document
• Personal attention and guidance through the process
• Flexible appointment scheduling
• Mobile notary services available for special circumstances

Your Choice, Our Support

We don't push buyers toward one method or the other. Our goal is to facilitate a smooth closing using whichever method best serves your needs. Many first-time buyers appreciate in-person closings, while experienced investors often prefer remote options. We're equipped to deliver excellent service either way.

Learn more about what happens during the closing process regardless of which method you choose.