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Why eMortgage?

Potential Benefits

Remote working changes the way we do business. Borrowers need digital closing options. Fannie Mae supports many digital mortgage solutions, including full eClosings, hybrid eClosings, and full eClosings using remote online notarization (RON).

eClosing Options

Yes. Selling Guide A2-4.1-03 describes all of our other policies related to electronic records, signatures, and notarizations. Note that electronic signatures are permitted under the terms of the Selling Guide but promissory notes may not be signed electronically unless the promissory note is an electronic note sold in accordance with A2-5.1-03. Lenders seeking to service or deliver eNotes must seek approval. Please see our Lender Letter 2020-03 for additional information on RON.

An eClosing (electronic closing) takes place when some (or all) of the closing documents are signed electronically. eClosings produce eMortgages only if the promissory note is signed electronically. While not all eClosings produce eMortgages, all eMortgages produced are the product of eClosings.

Remote online notarization (RON) uses two-way audiovisual technology and additional security protocols and anti-fraud mitigants (such as tamper sealing documents and multi-factor authentication) to complete the notarial act when the signer is not in the same physical location as the notary. The notarized documents are eSigned and the notarial seal is applied electronically.

Both the signer and Notary must access a RON platform where documents are uploaded. The technology must provide audiovisual capabilities so the notary and borrower can see and hear each other. Once the notary verifies the signer’s identity, the signer and notary both sign the document electronically, and the notary affixes an electronic seal.

Helpful eMortgage Resources

Next Steps

Choose Vendor

Identify, assess and select vendor partners. The list below provides options for various technology service providers:

  • Document Provider
  • Closing Platform
  • Vault

Technology Solution Provider (TSP) List

MERS® eRegistry

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Enjoy one seamless integration to become a System Member and an eRegistry Participant.

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Sign an addendum to integrate with the MERS® eRegistry.
MERS® eRegistry FAQs

Warehouse Lending

Fund faster with an approved Warehouse Bank (WHB) that funds eNotes. Find e-capable Warehouse Bank (WHB) options on the list below:

Warehouse Lenders Funding eNotes


Verify your servicer can support eNotes. Find servicing options on the list below:

eNote Servicer & Sub‑Servicers