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Routing Number: 307070021
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Routing Number: 307070021

Digital Closing

 

A Simpler Way To Close

 

Mortgage and HELOC Closing Options

You deserve a closing experience that fits your schedule and comfort level. Depending on your loan and what needs to be signed, we offer in-person, hybrid, and remote options. Use the guide below to find the one that works best for you.

 

In-Person Closing

Available for:

  • First Mortgage
  • HELOC
  • Second Mortgage
 

 

Hybrid Closing

Available For:

  • First Mortgage
  • HELOC
  • Second Mortgage
 

 

Remote Closing (RON)

Available for:

  • HELOC only
 

 

 

 

Hybrid Closing for Mortgages and HELOC

What is a hybrid closing? 

A hybrid closing means you'll review and sign most of your closing documents electronically, either before or on your closing day. It's fewer paper stacks, fewer delays, and a smoother process from beginning to end.

How It Works 

  • We prepare your closing documents digitally and send you a secure link
  • You review the documents on your computer, tablet, or smart device, whenever it works for you
  • You electronically sign the sections eligible for eSignatures. 
  • On closing day, you meet with the closing team in-person to finalize and notarize any remaining documents.
  • Once everything is complete, your closing is done.

Benefits

  • You'll spend less time at the branch and more time on your schedule
  • Digital documents reduce the change of errors or missing pages
  • You can preview everything ahead of time and ask questions before signing
  • You'll have one central place for communication, so you can ask questions and stay updated without juggling calls, email, or texts.
  • The process puts you in control, with flexibility that fits your life

Eligibility

  • Hybrid closing is available for all new mortgage loans, second mortgage, and HELOCs
  • All notarized documents must be signed in person
  • You'll need a stable internet connection and a device such as a computer, tablet, or smart phone to review and sign your documents

Apply Now Schedule An Appointment

 

 

Remote Online Notarization (RON) for HELOCs

What is RON? 

If you're closing on a HELOC, Remote Online Notarization (RON) lets you complete the notarization step entirely online. That means no trips to a notary's office, just a secure online video session you can join from home.

How It Works 

  • Once your HELOC documents are ready, we schedule a secure online notarization session
  • You join the session using a computer, table, or smartphone with a camera and microphone
  • You show your government-issued ID and complete the required identity verification
  • You either sign electronically or print, sign, and upload the documents while the notary observes and applies the digital seal
  • Your documents are securely submitted and stored, and your closing is complete

Benefits

  • No travel required, complete your notarization from anywhere
  • Faster scheduling and less disruption to your day
  • Fully secure and compliant, with ID checks, audit trails, video recording, and digital stamps
  • You'll have one central place for communication, so you can ask questions and stay updated without juggling calls, email, or texts.
  • A simpler process with fewer steps and more flexibility

Eligibility

  • RON is available only for HELOC closings 
  • You'll need a device with a camera, microphone, and a stable internet connection for your online session
  • A government-issued ID and a U.S. phone number are required
  • Some documents may still require an in-person signature or additional verification

Apply Now Schedule An Appointment

 

What Will You Need? 

How to prepare for your remote (RON) closing.

Before your closing appointment, make sure you have the following ready:
  • A computer, tablet, or smartphone with a working camera and microphone
  • A stable internet connection
  • Your government-issued ID for identity verification
  • A U.S. phone number for two-factor authentication, if needed
  • A quiet, well-lit space to review and sign your documents
  • Time set aside on closing day for your meeting and signing session
  • Any questions you'd like to ask your closing team during the appointment
 

 

 

Frequently Asked Questions

 

Disclosures

Electronic closing options, including hybrid and Remote Online Notarization (RON), are available on eligible AACU mortgage (first and second mortgages) and HELOC products. Full remote closing is only available for HELOCs. Loans closed in Trusts and with Powers of Attorney do not qualify for a Hybrid or RON closing. Availability may vary based on your location, loan type, property type, and applicable state laws. Depending on the loan and borrower circumstances, some documents may still require in-person signatures or notarization. A secure internet connection, compatible device, and valid photo ID are required for RON closing. AACU is an Equal Housing Lender. Membership required. Program requirements subject to change. Additional fees for Hybrid and RON closings may apply. Air Academy Federal Credit Union: NMLS# 454287.