Virtual Mail-Out (VMO)™ Closing for Sellers, Buyers and Borrowers

A Virtual Mail-Out (VMO)™ Closing is a combination of e-signature technology, traditional mailing-out of physical documents, and secure video conferencing to identify the signer, and for the notary to watch the signer physically sign the documents.

1. We use our e-signature platform to electronically sign all Land Title documents that do not require notarization.

2. We use express mail (overnight delivery or email) to send all documents that can not be e-signed or need a notary to the seller, buyer or borrower (4-5 days) before the closing date.

3. We then schedule a time for a Land Title Closer to describe closing documents via secure video conferencing.

4. Next, we utilize secure video conferencing for the Notary Public to identify the signer so they may complete the signing portion of the closing.

5. Finally, the documents are returned to Land Title by the signing parties. Once received we will complete the file disbursement and
e-record with the appropriate county Clerk and Recorder. As part of the disbursement process, we will email copies of final documents
to the appropriate parties.

Consumer’s Guide to VMO Closing

Frequently Asked Questions
Does Virtual Mail-Out (VMO) utilize Remote Online Notary (RON) technology?
No - Land Title developed its own virtual closing experience with VMO, combining e-signature technology, the traditional mailing-out of physical documents and secure video conferencing for notary acknowledgment.
How are the closing documents explained to me?
Buyer(s), seller(s), or borrower(s) will schedule an appointment with one of our closers to review and sign their specific documents through secure video conferencing. The real estate professional representing the respective party can also join the video conferencing meeting.
I thought you had to appear in person to notarize a document?
An Executive Order and a notice by the Secretary of State temporarily suspends the requirement that persons physically appear in front of a Notary in order for a document to be notarized. This Executive Order came as a response to our requests for our industry to be able to conduct closings and settlement services without putting customers, consumers or employees in an unsafe or unhealthy environment.
Is the video conferencing secure?
Yes, some of the security features for the video conferences include:
  • High level of encryption for audio, video and data in transit to ensure the privacy of each meeting.
  • Randomized and unique conference codes (or URLs) with restricted access to prevent unauthorized attendees.
  • Secure and protected storage for all recorded meeting data to ensure the confidentiality of our customer's data.
The encryption occurs with video meetings on a web browser, on the Google Meet Android and Apple® iOS® apps, and in meeting rooms with Google meeting room hardware.For more information, please visit the following link.
Can I do a VMO today?
Land Title is prepared to offer VMO closings on all transactions now; however, the mortgage lender will need to accept the VMO closing and provide complete, accurate loan documents and a balanced Closing Disclosure four days prior to the scheduled closing date. These requirements may limit the ability to use VMO immediately.
Does the signer (seller, buyer or borrower) need to be in Colorado for the notarization?
Yes, a Notary Public may only perform a remote notarization for a remotely located individual who is located in the state of Colorado.
Technical requirements:
1. A valid email address; and
2. One out of the three following devices with audio and video capabilities:
  • A personal computer (PC) or Mac with a webcam;
  • A tablet or portable laptop computer with a built-in device camera; or
  • An Apple or Android smartphone;
3. One of the following two applications installed on your device: