Connecting electronic signatures and initial mortgage disclosures

Initial disclosures move between people as well as systems. A loan officer starts delivery, the borrower reviews and signs, and the lender needs the completed documents in the loan file. When these steps require separate manual handoffs, teams have more work to coordinate.

Think about the full document round trip

Electronic signing is one part of the process. When evaluating a workflow, look at where delivery begins, where the borrower signs, and where the completed package ends up. The handoff after signing matters as much as the signing experience itself.

1. Start from the lender’s workflow

For lenders using Encompass, initiating disclosure delivery from the loan file gives the team a familiar starting point. Review how the signing workflow connects to your existing disclosure process and lender configuration.

2. Make the borrower’s next step clear

The borrower needs a place to review and electronically sign the disclosures. Evaluate that experience alongside the rest of your borrower journey, including the application and document collection steps.

3. Return completed documents to the loan file

A completed signature package still needs to reach the lender’s record. Review how signed PDFs return, who checks completion, and how your team handles any exceptions in its process.

How Hitch eSign connects the steps

Hitch eSign connects initial disclosure delivery, borrower signing in Hitch, and completed-PDF return to the Encompass eFolder through Encompass Partner Connect™. Loan officers initiate delivery in Encompass® by ICE Mortgage Technology®, and the completed documents return to the lender’s loan file.

Explore the Encompass workflow or learn about Hitch eSign.

Questions to bring to a walkthrough

• Which initial disclosure packages and loan programs are in scope?
• What lender setup and implementation work is needed?
• How does the borrower signing experience fit the current process?
• What is the integration’s availability for your organization?

Contact william@usehitch.com to discuss your workflow. This article describes a product workflow; your organization should determine its own document, operational, and compliance requirements.