Meet The Players Making eMortgage A Reality.

Find out how lenders, title companies, warehouse banks, and real estate professionals are all using eMortgage to better serve their clients.



Imagine Receiving Funds Faster. Reliably. Efficiently.

Get ready to optimize your capital with faster turn times.



Provide a Better Borrower Experience.

Give your borrowers a fast and efficient paperless closing process with an eMortgage. See how one lender was able to deliver a better customer experience: Land Home Financial Services Case Study.



You can execute an eNote in all 50 states.

Over 85% of the US population lives in a county with eRecording capabilities. Join the digital mortgage movement today.



WHY eMORTGAGE?Potential Benefits

Save time and money

Save Time and Money

Reduce cycle time and cut costs associated with generating and managing paper documents.

Empower borrowers

Empower Borrowers

Borrowers can more easily review loan documents in advance, which helps create an informative, efficient closing process.

Empower borrowers

Improve Data Quality

Improve data quality and reduce or eliminate missing documents and signatures in the closing package.

Learn more

What is eMortgage?

What is an eMortgage?

An eMortgage (electronic mortgage) is a loan that originates upon the creation and execution of an eNote (electronic promissory note) during an eClosing. The loan is then transferred and stored electronically.

What is an eClosing?

An eClosing (electronic closing) takes place when closing documents receive an electronic signature. Not all documents must be signed electronically, and some documents may be printed and signed on paper.

For more information, visit the eClosings & eMortgages FAQs.

eMortgage Readiness Checklist

How do I know if I'm ready for eMortgage?

The eMortgage Readiness Checklist outlines key steps toward adopting the digital mortgage process and will prepare you for selling and servicing eMortgages with Fannie Mae. Use it to assess readiness and track your progress.

eMortgage Industry Perspectives

Explore eMortgage across the industry.

eNote volumes are exploding as organizations embrace eMortgage to streamline their processes and offer a better borrower experience. Why is this happening now, and where do we go from here? Read testimonials from industry stakeholders pioneering eMortgage across the industry: Quicken Loans, Bank of America Merrill Lynch, and Title One.

Read More

eMortgage Calculator

Use the Fannie Mae eMortgage Calculator to evaluate the potential benefits of an eMortgage process for your business by comparing paper vs. electronic mortgage options. Test these scenarios:

  • Pre-close and close operational expenses
  • Warehouse funding and related costs or funding details (if you self-fund)
  • Delivery/Funding operational expenses
  • Additional eMortgage production volume multiplier benefits
  • Benefit from the ability to settle earlier

Not sure about how to use the eMortgage calculator? Check out this demo video.

Next steps


Use the eMortgage Readiness Checklist to review key steps toward adopting a digital mortgage process. This checklist will prepare you for selling and servicing eMortgages with Fannie Mae.


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

eVault Technology Solution Provider (TSP) List


New to MERS®?
Enjoy one seamless integration to become a System Member and an eRegistry Participant.

Already a MERS® System Member?
Sign an addendum to integrate with the MERS® eRegistry.

MERS eMortgage Video

MERS® eRegistry FAQs


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

Start delivering eMortgages to Fannie Mae today!


Start delivering eMortgages to Fannie Mae today!



“With eClosings, it’s easier for homebuyers to go over all the numbers and any discrepancies beforehand. That has been phenomenal.”
Read more

EJ Vick
Real Estate Broker with John L. Scott - Emunclaw

“The company recouped the cost it spent to implement a digital closing process in just three months.”
Read more

Jeff Bode
President-owner at Mid America

“In post-close & delivery, we save about 45 minutes to an hour across all the departments who touch the file.”
Read more

Michael Jones
Chief Financial Officer at Thrive Mortgage

“Within three years, I think [eMortgage] will be normal and people will wonder why we did it any other way.”
Read more

Brenda Usher
Chief Operations Officer at Land Home Financial Services

Still have questions? Contact the Fannie Mae eMortgage Team