using a notary is no big deal, your bank should have free notary services, some grocery store also have them. I believe most if not all car dealers have them also.
We just added on a second direct contract. Both have had virtual notary services where a notary in FL calls you via an app and you do it all virtually. Very easy!
Just added on VGF2 points this month. Did not need a notary. Signed everything online. We are in MN. We paid cash, so my guess is that notary only needed for financing.