My name is Michael Carter, and I am a full-time loan signing professional and Kentucky Notary Public (Commission #KYNP55591) based in Louisville, KY. I have been closing loans since 1995 and transitioned from working for an Ohio-based title company to independent work in 2004. Over the course of my career, I have successfully completed more than 18,000 closings.

I handle a wide range of transactions, including standard refinances and purchases, mobile home loans, reverse mortgages, equity lines, construction loans, and dual first and second loan (piggyback) closings. I don’t simply witness signatures—I carefully review and explain the loan documents, provide clear overviews of each form, and address common questions about spousal signatures, fees and payoffs, escrow and refund timing, APR, and where to find key terms in the documents.

Capabilities:

• Certified signing agent (CSA) with over 25 years of full-time experience
• Equipped with laser printer, fax, email, and reliable internet for timely document handling
• Professional, courteous representation of lenders and title companies at every closing