Mortgage Loan Originator (MLO) Licensing 2025 – 400 Free Practice Questions to Pass the Exam

In-person Electronic Notarization (IPEN) is characterized by the requirement that the signing and notarization process occur in the presence of the notary. This means that while the documents may be electronic, the critical component of the transaction is the physical presence of both the signer and the notary during the notarization process.

The "in person" aspect is essential, as it emphasizes the need for the notary to visually identify the signer and witness the signing of the document firsthand, despite the use of electronic methods. This hybrid model enhances security and reliability while still leveraging technology to facilitate the notarization process.

The other options do not capture this dual requirement of physical presence and electronic documentation, leading to a misunderstanding of what IPEN entails. By recognizing the importance of the in-person element, one can better appreciate the framework and legal standards that govern this method of notarization.