As a mobile notary and signing agent, you run into Power of Attorney scenarios a lot, so it would benefit you to MASTER them. People use a Power of Attorney when one party will not be physically present at the signing. All of this MUST be approved by the lender and the escrow officer, so you'll never have to make any decision about whether or not that is okay. But you WILL be responsible for ensuring the document is signed, dated, and initialed legally, and as per the lender instructions . Get good at this! http://www.NotaryCoach.com