For mobile notaries & loan signing agents — wrap travel, print, scan-backs & rush around the regulated stamp fee
Travel fee = the greater of the flat minimum or round-trip miles × rate, so short trips aren't underpriced. Mileage defaults to the IRS 2026 business rate (72.5¢/mi). Travel is unregulated in most states.
Print = pages × copies × rate (set rate to 0 if title pre-pays printing). Scan-backs are standard on HELOC/VA/refi/reverse. Witnesses common in FL, GA, etc.
The premium applies only to the labor portion (base fee, or per-act fees in GNW) — never above the state per-act cap. Wait time bills by the hour, rounded up.
Most notaries and signing agents quote the wrong number. The state-mandated per-notarial-act fee is tiny — $5–$15 in most states — but that's the only legally capped piece. The real money is the bundled service: a flat loan-signing fee, travel and mileage, printing (often two copies), scan-backs, notary-supplied witnesses, wait time, and rush or after-hours premiums. This calculator builds the full quote from those parts, clearly separating the regulated per-act fee from your unregulated service and travel charges (which states like California legally require you to disclose separately), and checks your per-act fee against the state maximum so you never bill an illegal stamp fee. Everything runs privately in your browser, free.
A typical refi loan signing in California: $125 base fee, 6 notarial acts, 20 miles round trip at $0.725/mi with a $30 flat minimum, 150 pages printed in 2 copies at $0.12/page, scan-backs on at $25, no witnesses, standard timing:
Charging just the regulated stamp fee (6 × $15 = $90) would have left roughly $126 on the table — that's the unregulated service and travel money this tool recovers. In California you'd disclose the $90 notarial portion and the $30 travel fee as separate lines.
effective_per_act = min(per_act_charged, state_max) ← clamp; warn if over
notarial_fees = effective_per_act × acts (TX: first act + $1/extra)
labor_base = loan_base (Loan signing) OR notarial_fees (GNW)
travel_fee = max(flat_trip_min, round_trip_miles × mileage_rate)
print_fee = pages × copies × print_rate
scan_fee = scan_back_fee if scan-backs on, else 0
witness_fee = witnesses × fee_per_witness
wait_fee = ceil(wait_min ÷ 60) × wait_rate
premium_amount = labor_base × (premium% / 100) ← labor only
total = labor_base + premium_amount + travel + print + scan + witness + wait
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The state-mandated per-notarial-act fee is tiny ($5–$15) and is the only legally capped number. The real money is the bundled service: a flat loan-signing fee (commonly $75–$125 entry, $125–$175 typical metro, $175–$250 premium), plus travel/mileage, printing, scan-backs, witnesses, wait time and rush or after-hours premiums. This tool builds the full quote and separates the regulated per-act fee from your unregulated charges.
It varies by state — e.g. CA $15, FL $10, TX $10 for the first act plus $1 per additional signature on the same instrument. The tool clamps your per-act fee to the stored cap and shows a red warning if you exceed it. Always verify the current cap with your Secretary of State; legislatures update fees periodically.
In most states travel, service, print, scan, witness, wait and rush fees are NOT capped — you set them by market. A few states restrict travel fees, so verify locally. California requires the notarial fee and travel fee to be disclosed separately, which the tool's split supports. The IRS rate (72.5¢/mi for 2026) is a baseline, not a mandate.
Usually no — the flat base already bundles the notarial acts, so adding per-act fees double-counts. Loan signing mode uses the flat base as labor and does not re-add per-act fees. Use GNW mode when you genuinely bill per stamp.
Travel is the greater of a flat minimum or round-trip miles × rate. Printing is pages × copies × rate (borrower + title copies roughly doubles pages). Scan-backs are a flat add-on (commonly $25–$50). Witnesses are per witness. Wait time bills by the hour, rounded up. The tool itemizes each on its own line.
A rush, same-day, weekend or holiday job commands a premium — typically 25% rush or 50% after-hours. The tool applies it ONLY to the labor portion, never inflating the regulated per-act fee above the cap; in GNW any over-cap uplift becomes a separate after-hours service-fee line.
Yes. 100% free and fully private — all math runs in your browser. It's a pricing estimate, not legal or tax advice.
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