Borrower Information
Fields for legal name, SSN/TIN, date of birth, marital status, contact details, and co‑borrower entries to ensure identity and credit matching during underwriting and investor delivery.
A clear, consistent template reduces rework, speeds underwriting, and preserves required disclosures and audit trails. Standardization improves data accuracy for automated underwriting systems and helps ensure forms retain legal validity under ESIGN and state e-signature law.
Typical users include originators and internal teams who assemble borrower packages before underwriting decisions.
Stakeholders vary by channel — retail, wholesale, and correspondent operations each adapt the template to meet investor overlays and state-specific closing requirements.
Ensure the signing platform supports PDF and DOCX import, robust audit trails, and required integrations for underwriting and closing.
Confirm export as an unalterable signed PDF with a certificate of completion and retention capabilities compatible with investor and regulatory requirements.
| Field | Configuration |
|---|---|
| Authentication | Email link plus optional SMS code |
| Required Fields | Enforce SSN, name, property address |
| Signer Order | Borrower first, lender second |
| Attachment Handling | Require uploads before final signing |
Fields for legal name, SSN/TIN, date of birth, marital status, contact details, and co‑borrower entries to ensure identity and credit matching during underwriting and investor delivery.
Sections for loan amount, purpose, property type, occupancy status, and precise collateral address to support automated eligibility checks and appraisal ordering.
Structured entries for employment, other income, bank accounts, investments, and liabilities with attachment slots for paystubs, W-2s, bank statements, and tax transcripts.
Integrated disclosure language (e.g., intent to proceed and TRID-related notices) and signature fields to prove delivery and receipt before closing.
Designated placeholders for credit reports, title commitments, appraisal reports, and insurance binders to keep the file complete and auditable.
Automatic capture of signer identity, timestamps, IP addresses, and version history to support compliance, investor delivery, and post-closing audits.
Within 3 business days of application (TRID timing)
Provided at least three business days before consummation
Three business days for applicable refinances
Follow lender-defined lock expiration
Keep originals per investor and regulation
Borrower completes URLA and uploads supporting documents.
Pre-underwrite review for completeness and program fit.
Automated or manual underwriting issues clear/conditional approval.
Finalize disclosures, signatures, and fund the loan.
Martin Properties moved to electronic intake to reduce in-person signings and accelerate closings.
A small lending shop centralized URLA entry and validation to decrease return rates.
| 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 | Varies | Varies | Varies |
| Bulk Send | Yes | Yes | Yes | Yes | No |
| Audit Trail | Yes | Yes | Yes | Yes | Yes |
| HIPAA Compliant | Yes | Yes | Yes | No | No |
| Envelope Cap | No cap | 100 envelopes/user/year | Varies | Varies | Varies |