10/19/2026
For notaries, every document is an opportunity to reinforce accuracy, professionalism, and trust. For homeowners, understanding what youâre signing is an important part of protecting your investment and moving confidently toward homeownership.
An Occupancy Affidavit is commonly found in residential mortgage loan packages, including purchases and refinances when the lender needs to verify the borrowerâs intended occupancy. It may also be called an Owner-Occupancy Affidavit, Occupancy Certification, or Primary Residence Affidavit, depending on the lender and document.
đ Why does it matter? Lenders use this document to confirm whether a property will be occupied as the borrowerâs principal residence, which can affect loan eligibility, underwriting, and applicable loan terms. The borrower should review the statements carefully and ensure they are truthful before signing.
âđ˝ Does it require notarization? If the document includes a notarial certificate or the lenderâs instructions require notarization, the notary must complete the appropriate notarial act in accordance with applicable state law. Not every occupancy certification requires notarization, so always review the document and signing instructions rather than making assumptions.
đ Notary reminder: Your role is to verify identity, follow your stateâs notarial requirements, complete the certificate accurately, and avoid interpreting loan terms or advising signers on the legal effect of the document. When questions arise about the loan or occupancy requirements, direct the signer to the lender or closing professional.
đ For homeowners: A signature is more than a formality. Take time to understand your loan documents, ask questions when something is unclear, and make informed decisions as you work toward your homeownership goals.
Stay informed. Stay diligent. Keep raising the standard of your notarial practice.