Lenders: Create an eClosing

Overview

Learn to create an eClosing from the Lender portal on the Proof platform. This article walks through the entire process for Lenders, from the first click to the confirmation email.

Throughout this process, you can click Save & exit to save your progress and return later if needed.

🎯Primary Audience: Mortgage Lenders

Table of Contents

We also have a demo of the HELOC process from the perspective of Title Agents, Lenders, and borrowers (signers).

Steps

Step 1

Start a new closing

Log in to your Proof account to complete the steps below.

Click Send new  > Select Real estate closing.

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Step 2

Type of closing

Select the type of closing: 

• HELOC 
• Home purchase
• Loan modification (borrower)
• Refinance

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Step 3

Provide the property address

Provide the property address and click Continue with eClosing.

The county/recording location fills in automatically because it is determined by Property Records Industry Association (PRIA).

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Step 4

Transaction details

• Provide a file and/or loan number to make it easier to find the transaction later. (Optional)
• Choose the desired answer to the question Is a secondary ID required for recipients on this transaction?.

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Step 8

Signer details

1. Provide signer details.
   • (optional) Click the 3 vertical dots button in the upper right to add the signer's address.
2. Provide the signer's contact information in the fields for the Signer Details section.
   • If the transaction has more than one signer, click Add recipient, select the desired option, and provide their information. Repeat as needed until all signers are added.
   • Signing group: If you have a transaction that can be executed by anyone from a group of people in your organization, you can send the transaction to a shared inbox, and whoever has access to the inbox and is available for the meeting can sign the document on the organization's behalf.
     Expand for instructions

     1. Click Add recipient under the Recipient details box.
     2. Select Signing group.
     3. Type or paste the email address of the shared inbox where you'd like to send the transaction.
        
   • Signing order: If your signers need to sign the document in a specific order, you can indicate this in during transaction creation.
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     1. Click the switch for Set signing order in the Recipient details section. 
     2. Type the number in the box next to the signer to indicate what order you'd like the signers to sign.
        • The signers shift so they appear in the order they will sign (starting at 1).
          

   • Representative signer: If a signer is signing on behalf of someone else or a business entity, you can mark them as such when you send out the transaction.

     Expand for instructions

     1. Click the 3 dots in the upper right corner of the signer's box.
     2. Select Make representative signer from the options. 
     3. Fill out the required fields.
        

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Step 9

Additional contacts

Add contacts from your closing team who are supporting the transaction. This optional step allows you to share documents to be viewed or downloaded. 

• Click Add contact and select the type of contact from the dropdown menu.
• Provide their contact information.
• (optional) Uncheck the Visible to signer box if you do not want the signer to be able to see this contact's information.

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Step 10

Promissory Note

Indicate how the promissory note will be signed:

• eSign
  
  Screenshot: Promissory Note via eSign

  
• Wet Sign
  
  Screenshot: Promissory Note via Wet Sign

  

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Step 11

Prepare documents

Click Upload a document to add your desired documents to the transaction.

• An eSign Consent and Disclosure form automatically appears on every transaction:
• You must add at least one document to proceed.

The documents automatically open after uploading so you can tag and prepare them.

• Review Tagging Documents for more information on self-tagging and using white-text tags.
• Note: You can add a witness requirement by clicking the "eye" icon in the top right menu above your documents.

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Step 12

Signing schedule

Select Date window to provide a range of dates for the signing, or select Scheduled date to choose a specific date and time for the notary meeting.

Read about adding a buffer to prevent signers from joining your scheduled meetings too early.

Indicate what type of notary will be used:

• Internal notary: Also known as In-House Notary (IHN)
• Notarize: Also known as Notarize Network 

If you're using an internal notary, you can select a specific person to be assigned or choose Unassigned from the dropdown to allow any notary from your team to handle this closing.

Review Assign a Notary to a Real Estate Closing for more information.

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Step 13

Notes and instructions

Click + Add new note to add a note to the notary.

If you allow credible identifying witness, you can click the toggle to indicate a credible witness is required for this transaction. Learn more about using a credible witness for eClosings.

Type a message under Signer message to send a personal message to the signer.

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Step 14

Send the transaction

Click Send Transaction.

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We're here to help! Please don’t hesitate to reach out to your Proof team with any questions about Proof Real Estate solutions.

To contact Support, click the Chat icon in the corner of your screen to start a chat with us, or send us an email at support@proof.com!

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