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FAQ - Can Mortgage Documents Be Signed Electronically?

Didier Malagies • February 23, 2022

Many people ask me, "can I use Docusign?"

Before we answer this question, it is important to note that we suggest closing in-person to avoid issues if there is any confusion about the process. We've seen issues at closing that could have been avoided by signing in-person. The rest of your documents during the process can be signed electronically using Docusign or other esigning software.


Howevever, you want to understand everything at closing, and the best way to ask questions is in-person.


Back to the question, "can mortgage documents be signed electronically."


Yes, you can close electronically. Closing electronically is called an eclosing. However, in order to have an eclosing, the lender must participate in eclosings and the title company must be authorized to perform an eclosing. Every state has is own regulations.


The title company will send you your loan documents and a guide on how to sign them. You can then sign the documents on your computer and send them to the title company for final approval of your loan closing. The regulation for eclosings differs by state. So, always talk to your mortgage broker or title company if you are considering signing your mortgage documents electronically.


We suggest closing in-person to avoid issues if there is any confusion about the process.


If you cannot close in-person, we also suggest using a remote notary and as a remote loan signing agent for additional security.


For more mortgage questions, check out our FAQs below.

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