Notarization2026-03-09 - 7 min read

What Documents Need to Be Notarized? 26 Types Explained

Complete guide to 26 document types that commonly require notarization. Pricing, categories, and when notarization is required vs optional.

When Is Notarization Required?

Notarization is required when a third party needs assurance that:

  • The signer is who they claim to be
  • The signer signed willingly
  • The signer understood what they were signing

    • 26 Document Types by Category

    Real Estate (8 types)

  • Loan Signing Package — $150 — Required for mortgage closings
  • Refinance Package — $125 — Required for refinancing
  • Reverse Mortgage — $175 — Required for reverse mortgage closings
  • Deed — $75 — Required for property transfers
  • Title Commitment — $75 — Often required by title companies
  • Mortgage / Deed of Trust — $75 — Required by lenders
  • Settlement Statement — $65 — Required at closing
  • HELOC — $95 — Required for home equity lines

    • Legal (6 types)

  • Power of Attorney — $85 — Almost always requires notarization
  • Will / Trust — $95 — Varies by state
  • Living Will — $85 — Recommended but not always required
  • Affidavit — $55 — Required (by definition, an affidavit is a sworn, notarized statement)
  • Contract — $65 — Optional but recommended for important contracts
  • NDA — $55 — Optional but adds enforceability

    • Financial (3 types)

  • Loan Agreement — $85 — Often required by lenders
  • Articles of Incorporation — $75 — Required in some states
  • Operating Agreement — $75 — Recommended for LLCs

    • Healthcare (4 types)

  • Healthcare Directive — $85 — Strongly recommended
  • Medical Power of Attorney — $85 — Usually required
  • HIPAA Authorization — $55 — Optional but recommended
  • Insurance Claim — $55 — Sometimes required by insurer

    • Auto (3 types)

  • Vehicle Title Transfer — $65 — Required in most states
  • Bill of Sale — $45 — Recommended
  • Lien Release — $55 — Usually required

    • Immigration (3 types)

  • I-9 Verification — $55 — May require notarization
  • Affidavit of Support — $65 — Required for USCIS
  • Visa Documents — $75 — Varies by visa type

    • Frequently Asked Questions

    Do all contracts need to be notarized?

    No. Most contracts are valid without notarization. However, notarization adds a layer of authentication and can make the contract easier to enforce if disputed.

    Can a notary refuse to notarize a document?

    Yes. A notary can refuse if they cannot verify the signer's identity, believe the signer is being coerced, or the signer does not appear to understand the document.

    What's the difference between notarization and witnessing?

    A notary verifies identity and watches the signature. A witness simply observes the signing. Some documents require both.

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