Is an electronic signature valid here?

Yes. Electronic signatures are valid under the ESIGN Act (15 U.S.C. §7001) and UETA in most states when the signature demonstrates intent, consent to electronic records, attribution, and retrievability.

When is notarization required?

Notarization is required when state law or the parties demand an acknowledgment for enforceability (for example, when a rescore affects a recorded deed). Verify state rules for deeds or recordable documents.

Can a Home Rescore Agreement be signed remotely?

Yes, where permitted. Remote Online Notarization (RON) and electronic signing can be used if state law allows RON and identity proofing and audio-video recording requirements are met.

What happens if party names do not match?

Name mismatches trigger identity verification steps and may delay processing. Use exact legal names to avoid needing additional affidavits or identity documentation.

How long should signed agreements be kept?

Retain the agreement for the relevant statutory period—generally at least three years for tax-related matters (IRC §6501(a)) and six years for HIPAA-related records (45 CFR §164.530(j)).

What evidence proves an electronic signing event?

A comprehensive audit trail—timestamps, IP addresses, signer email, authentication method, and the final signed PDF with embedded metadata—provides attribution and supports legal enforceability.

Electronic Signature
Templates
Miscellaneous
Home Rescore Agreement

Home Rescore Agreement

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

HOME RESCORE AGREEMENT

Parties

Rescore Provider Name Provider Address Provider Contact (phone or email) Client Name Client Address Property Subject to Rescore (if different)

Recitals

WHEREAS, Rescore Provider is engaged in the business of conducting home energy rescoring, verification of installed measures, and preparation of revised energy performance documentation; and

WHEREAS, Client is the owner or authorized agent of the Property Subject to Rescore and desires Provider to perform a home rescore to reassess energy performance and produce updated documentation in accordance with industry standards described in this Agreement; and

NOW, THEREFORE, in consideration of the mutual covenants contained herein, the parties agree as follows.

Scope of Work

Provider shall perform a home rescore for the Property consisting of on-site verification, measurement and inspection of installed energy-efficiency measures, data collection, analysis, and preparation of an updated rescore report suitable for use in energy rating systems and for submission to the applicable utility or program administrator as required by Client.

Detailed Scope (scope, verification tasks, exclusions)

Payment Terms

Client shall pay Provider the total fee set forth below in exchange for the services described in this Agreement. Unless otherwise agreed in writing, all fees are due in U.S. dollars and exclusive of applicable taxes.

Total Fee Deposit Amount (if any) Payment Schedule / Balance Terms

Late payments shall incur a late fee as set forth below if payment is not received within the time specified in the payment schedule.

Late Fee Accepted Payment Methods

Term and Termination

This Agreement shall commence on the Commencement Date set forth below and shall continue until the services described in the Scope of Work are completed or until the Termination Date, whichever occurs first, unless earlier terminated in accordance with this Agreement.

Commencement Date:

Termination Date (if applicable):

Notice Period for Termination (days)

Either party may terminate this Agreement for material breach by the other party if the breaching party fails to cure the breach within the notice period specified above following written notice. Termination shall not relieve Client of the obligation to pay for services performed up to the effective date of termination.

Confidentiality

Each party (the "Receiving Party") shall maintain in confidence all non-public information disclosed by the other party (the "Disclosing Party") that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure ("Confidential Information"). Confidential Information includes technical data, trade secrets, pricing, customer lists, audit results and any non-public rescore findings. The Receiving Party shall not disclose Confidential Information to third parties except as required by law or expressly permitted in writing. Confidentiality obligations shall survive termination of this Agreement for a period of three (3) years.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the state selected below without regard to conflict-of-law principles. The parties consent to the exclusive jurisdiction of the courts located in that state for any dispute arising under this Agreement.

Governing State

Liability and Indemnification

Provider's liability for damages arising out of or related to this Agreement shall be limited to direct damages not to exceed the total fees paid by Client to Provider under this Agreement. In no event shall either party be liable for consequential, incidental, special or punitive damages. Client shall indemnify and hold Provider harmless from claims, liabilities, losses and expenses arising from Client's negligence, misrepresentation, or failure to disclose material information relating to the Property.

Entire Agreement

This Agreement, together with any exhibits or attachments executed by the parties, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous understandings, negotiations and agreements, whether written or oral. No amendment or modification shall be effective unless in writing and signed by both parties.

Insurance and Compliance

Provider represents that it maintains applicable liability insurance and shall perform services in compliance with applicable laws, codes and regulations. Provider shall provide certificate of insurance upon Client's reasonable request prior to commencement of work.

Acceptance

Client's signature below acknowledges acceptance of the terms of this Agreement and authorization for Provider to access the Property as necessary to perform the Scope of Work during mutually agreed hours.

Provider Printed Name:

By:

Date:

Client Printed Name:

By:

Date:

What a Home Rescore Agreement Is and Why It Exists

A Home Rescore Agreement is a written authorization used in mortgage and residential lending to request a reassessment of a borrower's credit profile, appraisal inputs, or loan pricing after initial underwriting. The document identifies the parties, scope of the rescore, data sources to be reviewed (credit reports, appraisal supplements, underwriting files), effective date, and any fees or conditions tied to a revised valuation or rate. It preserves an audit trail for the transaction, records consent to share required information, and defines timelines and deliverables to support lender decisions or borrower appeals.

When a Home Rescore Agreement Matters

A clear Home Rescore Agreement reduces ambiguity about who can request and authorize a valuation change, what evidence will be evaluated, and the timeframe for results. It supports regulatory compliance, documents consent to access credit or appraisal data, and creates a record for future dispute resolution.

Who Commonly Prepares and Signs This Agreement

Use clear signatory designations so the agreement identifies who may trigger a rescore, approve changes, and receive the updated valuation or credit decision.

Mortgage lenders and underwriting teams processing loan exceptions or pricing adjustments
Mortgage brokers and loan officers coordinating supplemental documentation and borrower requests
Borrowers or borrower representatives seeking a re-evaluation of credit or appraisal inputs

Primary Signatories and Their Roles

Lender Representative

Loan officer, underwriter, or designated loan operations manager who authorizes the rescore, defines scope, and certifies acceptance of any revised terms. This person is responsible for documenting the decision and communicating outcomes to the borrower and internal compliance teams.

Borrower or Agent

Borrower, co-borrower, or legally authorized agent who consents to data access (credit reports, appraisals) and acknowledges any fees or timing implications. Their signature establishes consent and attribution under ESIGN and UETA frameworks.

Step-by-Step: Completing a Home Rescore Agreement

Follow these steps to create, authorize, and process a rescore request consistently and auditable.

01

Prepare document: Populate party names, scope, and effective date accurately.
02

Attach evidence: Include appraisal addenda, credit disputes, or corrected documentation.
03

Obtain consent: Have borrower sign electronically or in ink with attribution.
04

Process rescore: Underwriting or appraisal team applies changes and documents outcome.

Typical Digital Workflow Configuration

Configure a repeatable electronic workflow so each rescore follows the same verification and approval steps.

Field	Configuration
Signer Order	Borrower first, lender second when required
Authentication	Email link + optional SMS or KBA
Attachments	Required: appraisal addenda, credit report excerpts
Audit Trail	Enable IP, timestamp, and action logging

How Electronic Submission Typically Flows

A standard eSubmission sequence ensures signatory attribution, secure data transfer, and a retained audit trail for compliance.

Upload Document: Sender uploads the completed agreement and supporting files.
Place Fields: Add signature, date, and optional conditional fields.
Send to Signers: Distribute via email link, with authentication as configured.
Record Outcome: Signed copy and audit trail are stored for recordkeeping.

Essential Clauses and Sections to Include

A professional Home Rescore Agreement includes clear clauses that allocate responsibility, define scope, and set process controls to reduce dispute risk.

Parties

Identify each party by full legal name, contact details, and role (originator, borrower, appraiser). Include corporate identifiers for institutions to ensure binding authority and avoid identity confusion.

Scope

Define precisely what will be rescored (credit items, appraisal adjustments, income documents), including any thresholds or metrics that will determine a revised decision or pricing outcome.

Authorization

Include explicit borrower consent language permitting access to credit reports, appraisal files, and other required records, and reference applicable consumer disclosure requirements under ESIGN.

Fees and Costs

State who pays for the rescore, any appraisal supplements, notary or RON fees, and whether costs are refundable if the rescore does not change loan terms.

Timing

Specify deadlines for submission, review, and lender notification of results. Clear timelines reduce processing delays and support service-level management.

Governing Law

Designate the governing state law and dispute resolution mechanism. This determines which state statutes and court rules will interpret the agreement.

Security and Compliance Items to Record

Encryption: TLS 1.2/1.3 in transit; AES-256 at rest

Audit Trail: IP, timestamp, action log retained

HIPAA: BAA required for PHI handling

Access Controls: Role-based permissions

Retention: Preserve records for statutory period

Authentication: Email, SMS, KBA, or stronger methods

Practical Tips for Accurate Completion

Apply consistent practices to reduce rework and maintain compliance across high-volume rescore workflows.

Use clear language

Avoid ambiguous terms. Spell out what constitutes an acceptable evidence package and what outcomes are possible to reduce disputes.

Verify identities early

Confirm signer identity before processing to prevent delays; use multi-factor authentication for higher-risk cases.

Attach supporting files

Include all relevant documents at submission to prevent requests for supplemental material that extend processing time.

Log communications

Keep a running record of approvals, denials, and data corrections to support auditability.

Common Mistakes That Delay or Invalidate a Rescore

Incomplete or inconsistent party names cause identity mismatches and require additional verification from the borrower.
Missing or unclear scope language leads to disputes about which elements (credit, appraisal, income) may be adjusted.
Failure to obtain clear borrower consent for credit or appraisal re-evaluation can violate ESIGN consumer disclosure requirements and state privacy rules.
Not recording timestamps, IP addresses, or signer authentication evidence makes it harder to prove attribution or compliance during audits.

Consequences of an Incorrect or Incomplete Agreement

Invalid Consent: May expose parties to regulatory scrutiny

Processing Delays: Leads to missed closing or pricing deadlines

Credit Discrepancies: Can trigger backup withholding or corrections

Contract Disputes: May require legal resolution

Privacy Violations: Possible HIPAA or state privacy exposure

Recordkeeping Gaps: Compromises auditability and compliance

Typical Timing and Deadlines to Track

Set and monitor deadlines in the agreement to align rescore work with underwriting and closing timelines.

Submission Window:

Rescore request submitted within 5–15 business days of error discovery

Underwriting Review:

Underwriter completes review within 5–10 business days after complete submission

Appraisal Supplement:

Appraiser returns revised opinion within 7–14 days when required

Borrower Notification:

Lender notifies borrower of outcome within agreed timeframe

Record Retention Start:

Retention period begins on the agreement effective date

Typical eSignature Vendor Pricing and Feature Snapshot

Select vendor based on price model, envelope caps, HIPAA needs, and bulk-send capability. The table shows common comparison points with signNow listed first.

	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 plan	Varies by plan	Varies by plan	Varies by plan
Bulk Send	Yes	Yes	Yes	Yes	No
Audit Trail	Yes	Yes	Yes	Yes	Yes
Envelope Cap	No cap	100 envelopes/user/year	Varies	Varies	Varies

Technical and Integration Considerations

Ensure your chosen provider supports required APIs and retention controls to automate storage and preserve an audit trail for compliance.

Supported Formats: PDF, DOCX, HTML, Excel
Integrations: Salesforce, NetSuite, Microsoft 365, Google Workspace
Authentication: Email, SMS, KBA, SSO options

Frequently Asked Questions and Troubleshooting

Answers to common questions about validity, digital signing, notarization, and recordkeeping for Home Rescore Agreements.

Need help? Contact support

Is an electronic signature valid here?
Yes. Electronic signatures are valid under the ESIGN Act (15 U.S.C. §7001) and UETA in most states when the signature demonstrates intent, consent to electronic records, attribution, and retrievability.
When is notarization required?
Notarization is required when state law or the parties demand an acknowledgment for enforceability (for example, when a rescore affects a recorded deed). Verify state rules for deeds or recordable documents.
Can a Home Rescore Agreement be signed remotely?
Yes, where permitted. Remote Online Notarization (RON) and electronic signing can be used if state law allows RON and identity proofing and audio-video recording requirements are met.
What happens if party names do not match?
Name mismatches trigger identity verification steps and may delay processing. Use exact legal names to avoid needing additional affidavits or identity documentation.
How long should signed agreements be kept?
Retain the agreement for the relevant statutory period—generally at least three years for tax-related matters (IRC §6501(a)) and six years for HIPAA-related records (45 CFR §164.530(j)).
What evidence proves an electronic signing event?
A comprehensive audit trail—timestamps, IP addresses, signer email, authentication method, and the final signed PDF with embedded metadata—provides attribution and supports legal enforceability.

be ready to get more

Join over 28 million airSlate SignNow users

Sign Now