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Client Non Borrower Document

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CLIENT NON BORROWER AGREEMENT

This Client Non Borrower Agreement (the Agreement) is entered into as of (Effective Date) by and between:

Client Name:

Service Provider:

WHEREAS

WHEREAS, Client desires to obtain certain services from Provider as described in this Agreement; and

WHEREAS, the parties agree and acknowledge that Client is not and shall not be treated as a borrower, guarantor, or obligor with respect to any financing or credit extended to Provider in connection with the services contemplated by this Agreement; and

WHEREAS, the parties desire to set forth their respective rights and obligations with respect to the services, payment, confidentiality and other matters in a written agreement.

SCOPE OF WORK

Provider will furnish the services described below. Client's role is limited to engagement and payment for those services and Client will have no liability as a borrower of Provider's obligations to third parties.

PAYMENT TERMS

Client shall pay Provider in accordance with the amounts and schedule set forth below. All amounts are in U.S. dollars unless otherwise specified.

All payments shall be applied first to accrued late fees and interest, then to outstanding principal amounts. Client's obligation to make payments is independent of any third-party financing arrangements of Provider; however, Client is not a borrower with respect to such third-party financing and shall not be liable for Provider's obligations under any such financing.

TERM AND TERMINATION

This Agreement shall commence on the Term Start Date and shall continue until the Term End Date, unless earlier terminated in accordance with this section.

Either party may terminate this Agreement for material breach if the breaching party fails to cure such breach within the notice period specified above. Termination shall not relieve either party of obligations that accrued prior to termination, including payment obligations for services performed.

CONFIDENTIALITY

Each party (Recipient) shall keep confidential and shall not disclose to any third party any Confidential Information of the other party (Discloser) except as required to perform its obligations under this Agreement or as required by law. Confidential Information shall mean non-public business, technical, financial or other information disclosed in connection with this Agreement.

Confidential Information does not include information that: (a) is or becomes generally available to the public other than through a breach of this Agreement; (b) was known to Recipient prior to disclosure; (c) is rightfully received from a third party without restriction; or (d) is independently developed by Recipient without use of Discloser's Confidential Information.

I acknowledge and agree to confidentiality obligations

GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the state specified below without regard to conflicts of law principles. The parties consent to the exclusive jurisdiction of the state and federal courts located in that state for resolution of disputes arising under this Agreement.

ENTIRE AGREEMENT

This Agreement, together with any exhibits or schedules expressly incorporated herein, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous agreements, understandings, proposals and communications, whether written or oral. No modification of this Agreement shall be effective unless in writing and signed by authorized representatives of both parties.

ADDITIONAL PROVISIONS

Representations and warranties made by each party are limited to those expressly set forth in this Agreement. Each party shall indemnify and hold harmless the other from liabilities arising from its gross negligence or willful misconduct in performance of this Agreement. Neither party shall be liable for consequential or punitive damages except to the extent arising from fraud or willful misconduct.

Client Printed Name:

Client Signature:

Date:

Provider Printed Name:

Provider Signature:

Date:

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What the Client Non Borrower Document Is and when it’s used

A Client Non Borrower Document captures identifying and consent details from a person or entity that is involved in a transaction but is not the primary borrower. Typical uses include recording acknowledgements, third-party consents, agent authorizations, or spousal information for mortgage and lending workflows. The form clarifies the non-borrower role, collects contact and verification data, documents privacy or data-share consents, and creates an auditable record that lenders, title agents, and compliance teams can rely on during underwriting, closing, or post-closing reviews.

Why a clear Client Non Borrower Document matters

A well-crafted Client Non Borrower Document reduces ambiguity about obligations, protects lenders and third parties by documenting consent and identity, and supports downstream compliance and reporting. It creates a searchable, auditable record that helps reduce closing delays and legal risk while clarifying the non-borrower relationship for all parties involved.

Why a clear Client Non Borrower Document matters

Who typically prepares and signs this document

The Client Non Borrower Document is used by lending and closing teams, compliance staff, and any counterparty needing formal acknowledgement from a non-borrowing party.

  • Loan officers and underwriters who need third-party acknowledgements during underwriting and closing.
  • Title and escrow agents handling closing packages that include non-borrower consents or disclosures.
  • Compliance or legal teams documenting identity verification and consent for audit and recordkeeping.

The document is also provided to signers, title agents, and recordkeepers so each party has an exact record of the non-borrower’s consent and identifying information.

Typical roles tied to this document

Loan Officer

Prepares the packet and requests the non-borrower form to document consent or relationship; verifies completeness before submission to underwriting and records the signed document in the loan file.

Non-Borrower Signer

Provides identifying information and consent statements; must review and sign accurately since mismatches or missing fields can delay closing or trigger additional identity proofing requirements.

Data and security elements to include

Full legal name: Exact government name
Contact details: Phone and email address
Identification: Driver license or passport
Relationship: Role relative to borrower
Consent statements: Purpose and data sharing
Signature metadata: Timestamp and IP

Consequences of mistakes or missing information

Invalid signature: May invalidate the form
Processing delays: Closing date can slip
Regulatory fines: Possible audit findings
Backup withholding: Tax risk if TIN missing
Privacy violation: Improper PHI handling
Record retention lapse: Evidence unavailable later

Common preparation mistakes to avoid

  • Entering a nickname or abbreviated legal name that does not match government ID, which can require re-verification and delay closing.
  • Omitting the non-borrower’s relationship to the borrower, leaving the intent of the document unclear for underwriters or title examiners.
  • Failing to capture a clear consent statement about data sharing and third-party disclosures, which can cause compliance gaps.
  • Using handwritten corrections without initials or dates, creating ambiguity about whether changes were authorized and increasing legal risk.

Step-by-step: completing the Client Non Borrower Document

Follow a consistent sequence to reduce errors: verify identity, complete required fields, confirm consent language, obtain signature, and file the signed copy in the loan or compliance record.

  • 01
    Verify identity: Check government ID and match full legal name
  • 02
    Complete required fields: Enter contact, relation, and identification details precisely
  • 03
    Capture consent: Ensure consent language is clear and specific
  • 04
    Sign and store: Collect final signature and save to the loan file

How the document moves through a digital workflow

Digital completion simplifies routing: upload, add required fields, send to signer, capture identity verification, and archive signed records with an audit trail.

  • Upload: Add the template to your eSignature platform
  • Place fields: Add signature, date, and verification fields
  • Authenticate signer: Use email, SMS, or stronger methods
  • Archive: Store signed PDF with audit metadata

Core sections that make a professional Client Non Borrower Document

Include clear, standardized sections so reviewers and signers can locate and verify critical information quickly. The following elements support legal clarity, auditability, and regulatory compliance.

Parties and role

Identify the non-borrower and the primary borrower, state the non-borrower’s role or relationship, and include full legal names, addresses, and contact details for unambiguous attribution.

Purpose statement

Describe why the form is requested (e.g., acknowledgement, consent, agent designation) and the scope of any authorization so downstream users understand limits and intent.

Identity verification

Record the form of ID presented, ID number or last four digits as appropriate, and the method used to verify identity to support audit and fraud prevention activities.

Privacy and consents

Include explicit language about data sharing, disclosures required by law, and any permissions for the lender or third parties to access or use the non-borrower’s information.

Signature block

Provide a clearly labeled signature field, printed name, title when applicable, and date. Capture signature metadata (IP, timestamp) for enforceability and audit trails.

Notarization and witness

Reserve a space for notarization or witness acknowledgements if state law or lender policy requires it; include instructions for remote notarization where allowed.

Recommended digital workflow and field settings

Configure the eSignature workflow to reduce rework: set authentication, required fields, conditional rules, and retention settings to match your compliance needs.

Field configuration Mark name, relation, consent, and signature fields as required
Authentication method Use email + SMS or stronger KBA for higher-risk files
Conditional routing Show additional fields when specific answers are selected
Retention settings Automatically archive signed PDF and audit record
Notifications Alert owner and compliance on completion

Technical considerations for eCompletion and eSubmission

Ensure your platform supports secure uploads, signed PDF export, audit trails, and optional notarization or witness workflows before sending the form to signers.

  • Formats supported: PDF, DOCX, and fillable forms
  • Integrations: Connect to LOS, CRM, and cloud storage
  • Authentication: Email, SMS, or advanced KBA

How eSignature vendor pricing and features compare for this document

Basic pricing and a few key feature indicators across common eSignature providers. Use plan details from each vendor to match authentication and volume needs.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Varies by vendor Varies by vendor Varies by vendor Varies by vendor
Bulk Send Yes (Business Premium) Varies Varies Varies Varies
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

Real-world examples of where this form is used

These brief case summaries show how organizations use a non-borrower form to document consent and speed processing.

Optica Ventures — Third-Party Consent

Optica Ventures needed a simple process to collect third-party consents online.

  • The focus was ease of use and clarity of role.
  • "The interface is simple and easy-to-use for our team; more importantly, it is just as easy for our customers." — Brian Fitzgibbons, COO

Martin Properties — Remote Closings

A small real estate firm faced repeated closing delays due to missing non-borrower acknowledgements.

  • They moved to remote completion to avoid late closings.
  • "I can process and execute all of these documents online with 100% compliance and built-in security." — Tim Martin, Founder

Frequently asked questions about the Client Non Borrower Document

Answers to common practical and legal questions about signing, notarization, and recordkeeping for non-borrower forms.


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