Texas Notary vs. Notary Signing Agent: What's the Difference?
Many people use "Texas notary" and "notary signing agent" interchangeably — but they are two distinct roles with different training requirements, income potential, and insurance needs.
What is a Texas Notary Public?
A Texas notary public is a state-commissioned official authorized by the Texas Secretary of State to take acknowledgments, administer oaths, certify copies, take depositions, and perform jurats. The commission lasts 4 years and requires a $10,000 surety bond. Under SB693 (effective January 1, 2026), applicants must also complete a 2-hour education course and pass a 20-question assessment.
What is a Notary Signing Agent (NSA)?
A notary signing agent is a notary public with specialized training to handle loan document signings — mortgage closings, refinances, and real estate transactions. NSAs must hold a valid Texas notary commission, complete NSA-specific training, pass a background screening, and typically carry $100,000+ in E&O insurance coverage.
Key differences: Texas Notary vs. Notary Signing Agent
- Texas notary: general notarizations at $6 per act; NSA: loan signings at $75–$200 per signing
- Both require the $10,000 surety bond ($50 flat, 4-year term)
- NSA requires additional certification, background screen, and higher E&O coverage
- Every NSA must first obtain a Texas notary commission
Bond and insurance requirements
Both roles require the same $10,000 Texas notary surety bond — $50 for the full 4-year term, no credit check. E&O insurance is recommended for notaries and typically contractually required for NSAs working with title companies (often $100,000 minimum coverage).