The answer depends on the state you live in. Some states require in-person notarization. And some lenders require that a buyer sign documents in the presence of a notary.u003cbr/u003eu003cbr/u003eIf you choose a lender that offers 'e-closings,' and live in a state that allows remote mortgage closings, then you do not need to be physically present on closing day. u003cbr/u003eu003cbr/u003eIf there is no loan because you're buying the home with cash, there is no obligation for a buyer, a seller or a closing agent to be in the same room or even building to conclude a closing. u0022Everything can be done by mail, email, and wire transfer,” real estate attorney Rajeh Saadeh explains.