•   Request for Taxpayer ID Number and Cert-W9 (all states)

•   Lender Paid Mortgage Insurance - Initial Disclosure (all states)




•   Property Insurance Disclosure (New Jersey)




•   Consumer Caution and Home Ownership Counseling Notice (California)




•   Closing Disclosure (Ohio)




•   Notice of Lender Required Attorney (Maryland)

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eDocs Added to the Bundle of "General Documents"

Did you know that an eSign closing requires only eight eSign clicks for each borrower?

eSign closings are even easier and faster now that your borrower can eSign a larger group of eDocs with just one click. Dozens of loan specific and state specific eDocs are now part of the "General Document" group. Some new additions include:

•    Answers to Most Frequently Asked TIL Questions

•   Notice of No Oral Agreement




•   Initial Escrow Account Disclosure Statement




•   Borrower Closing Affidavit




•   Correction Agreement

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Signing Sequence to Reflect Common Practice

Based on user feedback, the order in which electronic documents are displayed for eSign will be changed to reflect commonly accepted closing practices.

For Example: The eNote, has moved to the beginning of the eDoc signing sequence. However, borrowers may eSign electronic documents in whichever order is preferred by the Closing Agent.

Click here for additional eDocs Signing Order information.

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Three Possible Back-up Plans

eSign features three different "back-up" options to access a complete, authoritative paper copy of the closing documents. Back-up closing documents are available at any time prior to pressing the final "submit" button at the end of an eSign closing. Your three new options to store, copy or print an authoritative paper back up are available from:

eSign Landing Page (within the eSign module)

Gemstone’s ‘View Docs’ module

The email notification sent to the closing agent

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Non-borrower Documents Removed from Borrower Email

To accelerate closings and prevent the chance of any errors at the closing event, many Clients use Gemstone’s email closing docs feature to send borrowers a secure link to their closing documents prior to the closing. To simplify the process and avoid borrower confusion, all non-borrower documents have been removed from the preview documents.

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Conforming Portfolio Fixed Now eSign Eligible

Effective for loans registered on or after 3.09.08, conforming Portfolio Fixed loans are now eligible for eSign. Click here for a complete list of eSign eligible programs.

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County Field Added to Closing Agent Maintenance Module

To enhance the marketing of eSign Gold and Platinum Certified closing agents throughout the country, a new "county" date field has been added in Gemstone’s Closing Agent Maintenance Module (located under 'Managed Services'). The addition of county information will enable clear determination of the service areas for each Closing Agent.

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