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Frequently Asked Questions

• Do I earn any cashback if I book my hotel stay outside the Aven Travel Portal?

  Bookings via hotel or third-party sites get standard rewards, no 10% cashback.

  Bookings made directly with the hotel or through third-party sites do not qualify for the 10% cashback. In these cases, your account's standard rewards rate will apply.

• How do I earn 10% cashback on hotel bookings?

   

  The 10% cashback is available only for rewards cards and applies exclusively to hotel reservations booked through Aven’s Travel Portal.

• How do I file a complaint about my hotel stay?

  You can file a hotel complaint by contacting Aven Support via phone (press 2 for travel) or email at support@aven.com with your Itinerary ID and hotel details.

  You can file a complaint about your hotel stay by contacting Aven Support directly, by calling the number on the back of your card (press 2 for travel) or email us at support@aven.com. Please provide your Itinerary ID, hotel name, and a brief description of your concern. Our team will review your case and work with the hotel to resolve the issue as quickly as possible.

• How can I request a receipt for my reservation?

  Your booking confirmation is already considered receipt.

  Your booking confirmation email serves as your official receipt.

• How do I cancel my reservation?

  You can cancel reservations in the Aven app within the cancellation period, but policies vary by hotel and rate type.

  You can cancel your reservation within the Aven app if within the cancellation period. Please note that cancellation policies vary by hotel and rate type — some bookings may be non-refundable or have specific deadlines for free cancellation. We recommend reviewing your booking details or confirmation email before requesting cancellation.

• What should I do if I want to extend my stay?

  Extensions require hotel availability and may change rates, book via hotel or Aven app.

  Extensions can be done through the hotel directly, or by booking a new reservation through the Aven app. Extensions are subject to hotel availability and rate changes.

• What should I do if I check out earlier than planned?

  Inform the front desk before early checkout; refunds depend on hotel policy.

  If you check out earlier than your scheduled date, please inform the hotel front desk before leaving. Refunds or adjustments, if applicable, will depend on the hotel’s policy.

• Can I request an early check-in or late check-out?

  Requests must be directed to the hotel, subject to availability and possible charges.

  Those requests must be directed to the hotel. Please note that this is subject to availability and may incur additional charges, which will be determined by the hotel.

• What documents do I need to present to the hotel at check-in?

  Check with the hotel about check-in documents, typically a photo ID, credit card, booking confirmation, or incidental deposit.

  Please check with the hotel regarding check-in documents. You’ll usually need to present a valid government-issued photo ID for verification and credit card to cover any charges during your stay. Some hotels may also require a booking confirmation or incidental deposit at check-in.

• Can I book hotels outside of the US?

  You can book international hotels via Aven.

  Yes, you can book hotels internationally through Aven, subject to availability.

• Can I add my hotel loyalty membership when booking with Aven?

  Hotel loyalty memberships can't be added via Aven; check with the hotel directly.

  No, hotel loyalty memberships can’t be added when booking through Aven. We recommend checking directly with the hotel after booking to confirm if they can honor any loyalty benefits during your stay.

• Can I use my hotel loyalty rewards, discounts, or coupons when booking with Aven?

  Bookings via Aven may not qualify for hotel loyalty rewards; confirm benefits directly with the hotel after booking.

  Bookings made through Aven are processed via our travel partner and may not be eligible for hotel loyalty rewards, discounts, or coupons. We recommend checking directly with the hotel after booking to confirm if they can honor any loyalty benefits during your stay.

• Can I request a room/bed upgrade?

  Upgrade requests go to hotel; availability and extra charges apply.

  Upgrade requests must be directed to the hotel. They are subject to availability and may incur additional charges, which will be determined by the hotel.

• Can I book for someone else using my Aven account?

  Aven accountholders can only book for themselves but may bring guests.

  No, Aven accountholders can only book for themselves using the Aven account. They can bring additional guests.

• If I use my Aven card, will I earn points?

  You earn points on eligible purchases, including hotel reservations, varying by card type and offers.

  Yes, you’ll earn points on eligible purchases, including hotel reservations made using your card. The number of points earned may vary depending on your card type and any specific offer available at the time of booking.

• Are there any booking fees when reserving through Aven?

  Total checkout cost includes all taxes and fees.

  No. The total cost you see at checkout already includes all applicable taxes and fees, unless otherwise stated.

• How can I change or modify my reservation?

  To modify your reservation, email support@aven.com or call the number on your card.

  To change or modify your reservation, please contact us by emailing support@aven.com or calling the number on the back of your card (press 2 for travel).

• Where can I find my reservation in the app?

  Open the Aven app or aven.com, select Rewards, and tap your reservation to view it.

  Open the Aven app and select Rewards. Then tap or click on the reservation you want to view. You can also log in to your account through aven.com and follow the same steps.

• What should I do if I didn’t receive my booking confirmation?

  If you don't receive your booking confirmation, check your spam or contact support@aven.com or call the number on your card (press 2 for travel).

  If you haven’t received your booking confirmation within a few minutes after completing your reservation, please check your spam or junk folder. You can contact us directly by emailing support@aven.com or by calling the number at the back of your card (press 2 for travel).

• Will I receive a confirmation email after booking?

  You will receive a confirmation email with your booking details shortly after completing your hotel reservation.

  Yes, you’ll receive a confirmation email a few minutes after completing your hotel booking. The email will include your itinerary ID, hotel details, check-in/check-out dates, and payment information.

• Can I use my Aven card to pay directly at the hotel?

  Yes

  Yes

• How can I make a hotel reservation using my Aven card?

  To book a reservation on Aven App or aven.com, use the Rewards tab; phone bookings are unavailable, but call your card's back number and press 2 for help.

  On the Aven App or aven.com, click on the Rewards tab to book a reservation. Currently, Aven cannot book reservations over the phone. For assistance, you can call the number on the back of your card. When listening to the opening menu options, press 2.

Frequently Asked Questions

• Can I use a temporary ID for verification?

  Applicants need a permanent, unexpired ID to complete the signing session.

  No. To complete the signing session, including any required notarizations, applicants need to have a permanent, unexpired identification document, such as Driver's License, Passport Book, Passport Card, etc.

Aven Advisor

• Can I add multiple properties on the Advisor app?

  Aven Advisor currently does not support multiple properties or vehicles. To update the address on your profile, please contact us at support@aven.com 

• Why am I receiving less than 52 weeks of free coffee as advertised?

  The length of the Free Coffee offer can range from 2 to 52 weeks, and the details are outlined on our website [here] to help set proper expectations.

• How can I redeem my winnings from Spin the Wheel?

  Spin the Wheel winnings will be paid out through the Stripe account you connected to your Aven Advisor account. This may take up to 5 business days to process. Please note: receiving your winnings does require at least one referral. 

• I can’t claim my Free Coffee gift card because it says to unfreeze my credit report.

  To keep you eligible for the Free Coffee offer, we need to refresh your credit report from time to time. If your credit report is frozen, the system can’t verify your eligibility. Please unfreeze it so we can update your information and keep you qualified for the offer.

• I stopped receiving my Free Coffee gift card, and now it says "You’re in for the Free Coffee raffle".

  It looks like you’ve already received all the Free Coffee gift cards you were eligible for with this promotion. After that, you're automatically entered into the Free Coffee Raffle.

• How can I update my information in Advisor?

  To update your Aven Advisor account information, please visit the Advisor app, select the “Account” tab, select “Account Information”, and finally “Edit Information”. You may also contact teamavenadvisor@aven.com. Depending on the information that needs to be updated, the solution might be to delete the existing Aven Advisor account and create a new one. Please note, a change in address will require the address to be re-verified for any eligible promotions.

• Why can’t I link my bank account to Stripe?

  Certain banks may not be supported by Aven Advisor. In the Advisor app, click on the account profile icon at the top of the screen. From there, click on Payout History. There, you can access a list of banks to which payments aren’t supported. 

  Debit cards are not supported.

  
   

• Where do you get the information on the credit utilization you email me?

  Credit utilization data is retrieved from various third-party data sources. Terms of service are outlined here: https://www.aven.com/public/docs/TermsOfService

• How can I link my bank account to enter the sweepstakes?

  To link your bank account, open the Aven Advisor app, click on the Rewards button at the bottom of the screen, and then click Connect Accounts.  Then follow the account connection instructions.

• How can I cancel/close my Aven Advisor account?

  You can delete your Aven Advisor account in the Advisor app. Click the account profile icon at the top of the screen. From there, go to Account Information and click on the 3 dots. Then click Delete Account.

Payments

• How do I change the auto pay date for my account?

  Due dates are set at account opening and can be changed; AutoPay makes payments automatically on due dates.

  Due dates are established when an account is opened. If AutoPay is turned on, payments will be automatically made on the due date. Due dates can be changed, depending on the date and eligibility. Please email support@aven.com.

• When will my mailed check payment be posted to my account?

  We prefer electronic payments through the Aven mobile app, or through your financial institution’s bill pay system. As a courtesy, we will accept check payments you mail us. It may take up to 5 business days for mail to be delivered by the post office. Once we receive the check, we will post it to your account within 5 business days. Check payments will be posted for the date it was received by Aven.

• Can I payback the full draw immediately if I don't need it right away?

  Yes. Cardholders can pay back any balance amount at any time with no prepayment penalty.

Before You Apply

• Can I connect my bank account during the rescission period?

  You can link Aven to bank accounts, but transactions start post-rescission.

  Yes, you can connect your Aven account to your bank accounts during the rescission period. But transactions will not be conducted until after the rescission period.

• How do notary sessions work?

  Aven offers online notary appointments for most states, allowing multiple signers to schedule separately and sign from any device with a camera, microphone, and internet. Some states require in-person appointments where all signers must attend together with a government-issued ID.

  For people in most states, Aven uses online notary appointments. For applications that require multiple signers, online notary appointments are scheduled separately, so signers do not need to be available at the same time or place. Applicants will get text messages and emails with links to schedule (and join) an online notary signing appointment. For online signing, you can sign from any device with a camera, microphone, and internet connection. 

  A few states require in-person notary appointments. For in-person signing, signers will schedule one appointment to sign together at the same time. Have your government-issued ID with you during the signing appointment.

• I lost my invitation to apply that I received in my mail, can I get it again?

  If you lost your mail invitation, you can still apply directly at aven.com without a code.

  If you no longer have your mail invitation, it cannot be retrieved. Invitations are sent regularly, so you may receive another in the future. You can still apply directly at aven.com without a code.

• Will applying affect or impact my credit score? Do we hard pull both applicants?

  When applying for an Aven Home Equity or Aven Rewards card, a soft credit pull is performed initially, which does not affect your credit score. A hard inquiry, which may impact your score, is only made after you accept an offer and schedule with notaries for Home Equity cards or after submitting your stated income for Rewards cards.

  HOME:

  When you apply for an Aven Home Equity card, we perform a “soft pull” on your credit in order to determine an offer. This does NOT impact the applicant's credit score. You can check your offer without your credit score being affected. Only after you accept an offer and schedule a time with our notaries will we make a hard inquiry on your credit profile. This may impact the credit score.

  UCC:

  When you apply for an Aven Rewards card, we perform a “soft pull” when you submit your personal information. This does NOT impact the applicant's credit score. Only after you submit your stated income will we make a hard inquiry on your credit profile. This may impact the credit score.

  
   

• What are the eligibility criteria for applying for the Aven Home Card?

  Aven's bank-standard underwriting system is fully automated and generates an offer based on an applicant's income, equity, credit, and debt obligations. Meeting the minimum criteria does not guarantee an approval. 

  All signers (applicants and co-owners)  must be 18 years of age or older, have a valid US government- issued ID (from a U.S. jurisdiction), a U.S. phone number, an SSN or ITIN, and need to be within the U.S. at the time of signing.

  At least one applicant must be the home-owner.

Offer, Rates & Fees

• Is there a fee added or taken out?

  Cash out and balance transfer fees are added to the requested amount, increasing the total Aven balance accordingly.

  Cash out and balance transfer fees are added to the requested amount and made part of the Aven balance.  For example, if you do a $100 cash out transaction with a 2.5% fee, your total balance will be $102.50.

   

  

• How can someone get a lower rate compared to the offered?

  Aven's bank-standard underwriting system is fully automated and generates offers based on applicants’ income, equity, credit, and debt obligations. If you opened a HELOC with another lender on or after January 1, 2023, or received a fully underwritten HELOC offer within the last 30 days, we’ll beat your APR or give you $250. Restrictions apply. See HELOC Rate Guarantee Terms and Conditions for details. 

• Is there interest on a cash out fee?

  Yes, the cash out transaction fee is added to the loan balance. Interest is calculated on the loan balance.

• What if I have SCRA Benefits?

  Aven is grateful to service members for their sacrifices for our nation. Borrowers who are active duty service members of the Army, Marine Corps, Navy, Air Force, Coast Guard, Reserve, and National Guard (consecutive 30 days or more currently active) need to inform Aven of their service details and provide supporting documentation such as deployment orders. Upon receipt, Aven will verify the information and adjust the Aven account to reflect the SCRA protections available to the borrower. For information regarding SCRA protections for active duty service members please click here.

Application

• How do Aven’s automated appraisals work?

  Aven uses third-party automated valuation models (AVMs) to value properties for most home-secured credit products and cannot adjust these results.

  For most of its home-secured credit products, Aven uses automated valuation models (often referred to as AVMs) to determine the value of the property. The AVMs Aven uses are administered by other companies not affiliated with Aven. This means Aven cannot adjust AVM results.

• Can I use a temporary ID for verification?

  Applicants need a permanent, unexpired ID to complete the signing session.

  No. To complete the signing session, including any required notarizations, applicants need to have a permanent, unexpired identification document, such as Driver's License, Passport Book, Passport Card, etc.

• Can I add someone other than my spouse as a co-applicant?

  Non-spouses can be co-applicants on Aven applications.

  Yes, non-spouses can be added to the Aven application as a co-applicant.

• Can I have an authorized user?

  Applicants can add authorized users during application; cardholders cannot add them after account creation.

  Applicants can add authorized users to the account during the application process. Authorized users get their own Aven credit card and can use the account. Currently, Aven cardholders cannot add authorized users after an account has already been created. 

• How can someone complete a notary session if an additional signer is not available at the same time?

  Aven offers online notary appointments for most states, allowing multiple signers to schedule separately and sign from any device with a camera, microphone, and internet. Some states require in-person signings, where all signers meet simultaneously with a government-issued ID.

  For people in most states, Aven uses online notary appointments. For applications that require multiple signers, online notary appointments are scheduled separately, so signers do not need to be available at the same time or place. Applicants will get text messages and emails with links to schedule (and join) an online notary signing appointment. For online signing, you can sign from any device with a camera, microphone, and internet connection. 

  A few states require in-person notary appointments. For in-person signing, signers will schedule one appointment to sign together at the same time. Have your government-issued ID with you during the signing appointment.

• Can my offer change after I get prequalified?

  A prequalified offer is an estimated initial offer that may be updated after verification to ensure accuracy.

  Yes, it’s possible. A prequalified offer is an estimated offer based on the initial information provided. If, during our review and verification process, the information changes, the system may produce an updated offer based on the updated information. This is a standard step in the industry to ensure the final offer is accurate.

• Is there an initial draw requirement?

  Some offers require an initial draw; see agreement.

  Some offers include an initial draw requirement. Please refer to your account agreement for full details.

• Which states is Aven available in?

  Aven offers products in nearly all U.S. states, with availability varying by location; visit Aven.com to apply.

  Aven offers its products in nearly all U.S. states. In some states, we currently offer only some of our products, but we’re working on offering more in more places.   To see if we have a product for you where you live, visit Aven.com and submit an application.

• Can an applicant go back and add proof of additional income?

  Aven’s income verification process works to confirm the income you reported during your application. Once you submit your stated income, it cannot be changed. Our system may request additional documentation to verify your income or will offer you the highest credit line available based on the income we can successfully verify.

• I received multiple offers. Can I go back and change what I selected?

  If you’d like to return and choose a different pre-qualified offer you were provided, please contact us at support@aven.com, and a member of our team will be happy to assist you.

• Can co-applicants be added after the application has started?

  Unfortunately, a new application is required in order to apply jointly with a co-borrower.

• Can I enroll multiple accounts in Plaid for income verification?

  Yes. If an applicant receives income into multiple bank accounts, they can securely connect those accounts through Plaid. Once that’s done, Aven can attempt to verify the applicant's total income.

• A co-owner is deceased and I am trying to open an account. What should I do?

  Aven requires a copy of the co-owner’s death certificate, emailed to support@aven.com or uploaded by a link provided by their notary. Further documentation may be required to complete the process.

• Why is my address not eligible for an Aven card?

  Aven's application process does not support recent builds, manufactured or mobile homes, rural homesites, or recently purchased properties. It may take 4-6 weeks for a property to appear on Aven's systems from the time of recording. If the address is not auto-completing, click "Enter address manually".

• Can my house be for sale?

  No, the application property cannot have an active sale listing during the origination process. Applications will be reviewed for active listings immediately after signing your Aven documents.

• What is an Involuntary Lien?

  Involuntary liens are liens that are placed on a property by an outside authority against the will of the property owner such as City, County, or Federal Government Tax Liens, Mechanic's Liens, Judgement Liens, HOA Liens, Lis Pendens, Notice of Default, Notice of Sale/Foreclosure.

  Aven uses a 3rd-party title vendor to provide home ownership and property information that detects possible liens on the associated property used in the Aven application. If liens are detected on the property and you have proof that the lien(s) have been paid off, satisfied or released, please send Aven a copy of the Recorded Satisfaction of Lien / Release documents obtained from your local county recorder's office to support@aven.com.

• Does my spouse have to sign?

  Yes, your spouse must sign unless you provide Aven a quitclaim deed or interspousal transfer deed. For information about those two types of deeds, please contact the county recorder’s office.

  All signers must have a valid US government issued ID, a US phone number, an SSN or ITIN, and need to be within the US at the time of signing.

• What is an Interspousal Transfer Deed

  An interspousal transfer deed is used for transferring property between spouses, often used to change ownership status, or used during the divorce process. For more information, please contact the county recorder's office.

• What is a quitclaim deed?

  A quitclaim deed is a document that is used to transfer or release a property owner’s interest to another owner. For more information, please contact the county recorder's office.

Account

• Is a property co-owner responsible to pay back an Aven HELOC account opened by a different co-owner?

  Only HELOC account holders must repay the loan, but default can impact all property co-owners since the property is collateral.

  Only the HELOC account holders are responsible to pay back the HELOC. Property co-owners who aren’t account holders have no repayment obligations. Note, though, that the property is being used as collateral for the HELOC, so an account default could affect all co-owners, not just account holders.

• Can I decrease my line size?

  During application, you can request a lower credit limit by emailing support@aven.com; limits can't be decreased after account opening.

  During the application process, yes. If you would prefer a credit limit lower than what Aven has offered, please email support@aven.com and indicate your preferred lower amount. 

  Credit limits may not be decreased by request after the Aven account has been opened.  

• How do I make purchases?

  The Aven card works like a Visa, allowing swipes, chip inserts, contactless payments, mobile wallet use, and online purchases with cash back rewards.

  You can use an Aven card just like a regular Visa card. Simply swipe, insert the chip, tap for contactless payments, add it to a mobile wallet (like Apple Pay), or use it online. Purchases made using the Aven card are eligible for cash back rewards!

• Why did my transaction get declined due to an address (ZIP code) mismatch if I was never asked to enter one?

  Some merchants send your ZIP code to VISA even if not asked at checkout; contact them to update it.

  Some merchants won’t ask you for your ZIP code at checkout, but they may still send your ZIP code to VISA. Please contact the merchant to update the ZIP code being sent.

• Do you issue IRS Form 1098?

  Aven HELOC accountholders paying $10+ in interest receive Form 1098 in the Aven App by January 31 annually.

  For Aven HELOC accountholders, yes, we do. If an accountholder pays $10 or more in interest during the year, the accountholder’s Form 1098 will be available to review in the Aven App by January 31 of the next year. Accountholders can look in the Aven App under Account > Documents.

• When can I access my funds?

  Most Aven Home Card cardholders can access funds after a 3-business-day rescission period or upon card activation, which occurs within 7 business days. Refinancers access funds after proof of mortgage payoff is received.

  Most Aven Home Card cardholders can cash out funds to their bank account after the 3-business-day rescission period. Others can access funds once they’ve activated their Aven card, which typically arrives within 7 business days after signing the account opening documents. To activate the card, log in to the Aven app or visit my.aven.com. Those who are refinancing with Aven can access funds after Aven receives proof from the existing lender that the mortgage has been paid in full. If any additional review is needed before account activation, Aven will notify those cardholders after signing.

• What happens if I already have a HELOC?

  Aven allows refinancing of existing HELOCs by using part of its credit limit to pay off the 2nd lien, converting the balance into fixed monthly payments with a fixed interest rate. Remaining credit can be used for purchases, cash outs, or balance transfers.

  Aven can refinance your existing HELOC using a portion of your Aven credit limit to pay off the existing 2nd lien HELOC (or loan) - this balance is placed and paid back on a fixed monthly payment plan with a fixed interest rate. Once the existing lien is paid off, borrowers can use the remaining Aven credit limit for purchases, cash outs, or balance transfers. 

  To learn more about the Aven Card Refinance process, watch the video below: https://vimeo.com/1126324739/e6949aa493?share=copy#t=0

• Any restrictions on buying a house?

  Aven allows unrestricted use of Cash Out funds by account holders.

  Aven does not place restrictions on how Cash Out funds are used. Account holders may use these funds at their discretion.

• Are there any credit pulls for account holders?

  Aven does not perform any hard pulls without authorization. Aven may perform soft pulls for account management, promotional offers for existing account holders.

• My credit is frozen. What can I do?

  If your credit is frozen, usually the application flow will give you an option to unlock. You can also go to Experian’s credit freeze page at https://www.experian.com/help/credit-freeze/. If your credit with Clarity is also frozen, please go to https://consumers.clarityservices.com/securityFreeze.

• Can you delete my personal information?

  In compliance with federal regulations, Aven must retain applicant information for a set period—up to 5 years or longer, depending on the type of information. 

• How do I close my Aven account and what happens upon closure?

  To close your Aven account, please use the payoff function in the Aven app or request a payoff quote by emailing support@aven.com. Your statement balance does not equal your payoff amount and sending a payment for the balance might delay the payoff process and the account’s closing.
   

  The account will be reported as closed to the credit bureau(s) at the end of the current billing cycle. If the payoff results in a credit balance, the credit balance will be refunded via ACH or by check.

   

  For payoffs by certified funds (wires or cashier’s checks), the lien release will be sent to the county recorder within 5 business days after the funds are final. Any payment by non-certified funds (personal checks, direct deposit or e-check from your bank's bill payment system, ACH, etc.) may result in an up to 60 day delay prior to the lien release being sent to the county. Aven will not be responsible for missed closings, rate lock expirations, or any other situations when you pay by non-certified funds.

  
   

• How do cardholders increase their credit limits?

  Aven regularly checks whether cardholders are eligible for credit limit increases. Those who qualify will receive invitations. At this time, we are not accepting credit limit increases by request. 

• How is the payoff quote amount computed?

  The payoff quote is an estimated amount that is computed as your outstanding balance plus fees and interest charges that your account is estimated to accrue through the end of that statement cycle.

• "I received a card in the mail after canceling my account within the rescission period. Should I be concerned?

  If you received a card, it is likely because it was already mailed before we received your cancellation request. Please destroy the card - it is deactivated, and your account is closed.

• Why did I recieve a Form 1099-MISC from Aven

  Aven is required to furnish IRS Form 1099 - MISC if certain credits to your Aven account equal or exceed $600 for the calendar year.

  If you received payments in 2024 related to "Pay My Mortgage" sweepstakes, Welcome Bonuses, or courtesy credits, and those payments in total added up to more than $599, Aven is required to provide you with a Form 1099-MISC and report this information to the IRS under "Other Income" (Box 3).  

   

• What happens if an account remains unused?

  Aven may reduce the credit line at account anniversary. A lien is placed on the home for the approved line size amount upon opening the account. Certain products may require an initial draw. Applicants can refer to their account agreement.

• Where can I use my card?

  Aven cardholders can use their Aven Card for purchase transactions wherever VISA cards are accepted. Please note, Aven cards cannot be used at ATM Machines, Casinos, Timeshares, Money transfer businesses, Cryptocurrency exchanges, and Foreign countries on the US sanctions list.

Online Notary

• How do I change the time/day of my appointment after it has been confirmed?

  For in-person signing states, reschedule via the appointment confirmation link or contact the signing administrator on the appointment day.

  For in-person signing states, to request a new appointment time, please visit the link sent to you for your appointment confirmation. If you need to reschedule on the day of the appointment, please directly contact the person administering your signing session.

• What if I do not have a witness available for the in-person signing?

  In in-person signing states, if no witness aged 18+ is available, one will be provided free of charge.

  For in-person signing states, if you cannot provide a witness that is 18 years of age or older, please let the person administering your signing session know prior to your appointment. A witness will be provided, at no additional charge.

• Where will my in-person signing take place?

  Notarizations occur at the property address with all signers and witnesses present.

  For in-person signing states, notarizations will take place at the property address identified in your application. All required signers and witnesses must be present at the signing session to execute the required documents.

• Can I use a temporary ID for verification?

  Applicants need a permanent, unexpired ID to complete the signing session.

  No. To complete the signing session, including any required notarizations, applicants need to have a permanent, unexpired identification document, such as Driver's License, Passport Book, Passport Card, etc.

• Why does someone have to complete the notarization process?

  HELOCs require signed, notarized deeds of trust or mortgages, recorded at the local county assessor's office.

  HELOCs require documents to be signed showing the lender’s security interest in the property. Those documents are usually called deeds of trust or mortgages. These documents must be signed and notarized before being recorded at the local county assessor's office.

• Why do I need to sign a Power of Attorney (POA)?

  It is customary in real estate financing related transactions to require a borrower to sign a limited Power of Attorney (POA), which expires after 180 days of signing. This POA is only used for correcting minor typographical or grammatical errors, misspellings, or clerical errors. It specifically prohibits changes to rates, amounts.