Title West Title Company

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Offer an eco-friendly alternative to your borrowers

The mortgage industry generates up to 1,000 pieces of paper per loan, with millions of loans closed per year. Today's consumer has a growing awareness of "green" solutions from recycle bins to hybrid cars. As a result, environmentally conscious lenders are looking for a better way to serve their customers with an alternative to paper-based mortgages.

Offer a better way to do business

Home buyers around the world have seen that closing a loan is reliant on both pen and paper. This process has remained relatively unchanged over the past 100 years. Paper-based mortgage processes are inherently inefficient and fraught with data integrity issues. At Stewart, creating an eMortgage is centered around removing the mass amounts of printed closing documents, as well as improving the inefficient practices and procedures.

Areas of interest

See the service offerings below for automating every step in the real estate transaction.

Deliver Online Documents

How do you create a secure online mortgage document that satisfies customers, lenders, upstream marketers and Web security specialists? Online Documents, Inc. worked with Web and mortgage industry leaders to create eMortgageDocs™ that “broke the code” on streamlining secure online documents. These SmartDocs offer a secure, permanent, electronic document from which variable data and other related information can be read – all without violating the integrity of the sealed original copy. These documents meet Fannie Mae advanced delivery requirements, Mortgage Industry Standards Maintenance Organization (MISMO) specifications and other industry standards, and are available with a simple mouse click.

Enables you to:

  • Share the real estate contract among parties.
  • Publish loan documents for review by the borrower and closing agent prior to closing.
  • Share settlement service documents among parties, i.e., appraisals, title commitments, inspections.
  • Fax documents from the borrower to the lender or closing agent, i.e., tax returns, pay stubs, insurance certificates.
  • Deliver loan closing packages from the lender to the closing agent.
  • Deliver the closed loan package to the wholesale lender or the Post-Closing department.

Acknowledge disclosure electronically

Traditionally, the process of delivering a three-day disclosure to the borrower has been a manual, paper-intensive and costly process for the lenders.

Stewart's electronic disclosure delivery solution provides the ability for lenders to electronically transmit and display disclosures to their borrowers in a secure, online format for electronic acknowledgement. Through the use of our electronic disclosure technology, lenders are able to reduce costs, improve the experience for the borrower, and offer consumers an “environmentally friendly” solution.

Enables you to:

  • Stewart's affiliate, Online Documents, Inc., can provide compliant state and federal Initial Disclosures for every license and charter type.
  • Three-day disclosure documents with increased security over regular mail.
  • Provide a simple eDisclosure solution for borrowers with easy access to their documents anywhere, anytime.
  • Ensure compliance with disclosure requirements as well as UETA and eSign regulations.
  • Track the borrower's consent or rejection in the document audit trail.
  • Generate electronic acknowledgements of document receipts.

Initiate the online conversation

Given the numerous regulatory and legal aspects of the mortgage process, documents still define the transaction. In order to eliminate many of the costly paper-based processes and implement eMortgages, it is vital that all parties in the transaction are able to add, share, view and collaborate on the numerous documents generated and exchanged during the lending process.

SureClose® is one of the most robust and widely used document collaboration tools available to the mortgage and real estate industries. SureClose allows all parties in the transaction to share documents, collaborate and communicate electronically. This includes borrowers, sellers, lenders, mortgage brokers, investors, real estate professionals, escrow officers, title agents, attorneys and any other applicable parties. Participating in this process doesn't require being technically savy; documents are simply scanned and uploaded, faxed or e-mailed into SureClose.

Share the real estate contract among parties.

  • Publish loan documents for review by the borrower and closing agent prior to closing.
  • Share settlement service documents among parties, i.e., appraisals, title commitments, inspections.
  • Fax documents from the borrower to the lender or closing agent, i.e., tax returns, pay stubs, insurance certificates.
  • Deliver loan closing packages from the lender to the closing agent.
  • Deliver the closed loan package to the wholesale lender or the Post-Closing department.

Start closing your loans electronically

Stewart's eClosingRoom is a unique approach to greatly improving the loan closing experience. Through a combination of powerful technology and over 100 years of real estate closing experience, Stewart has created this unique and innovative approach to closing loans.

The eClosingRoom solution was developed to allow home buyers and sellers to close on their real estate transaction in a matter of minutes. Through an intuitive borrower experience and the ability to click to sign and electronically notarize documents, Stewart has transformed the closing process from a painful experience to one that is streamlined, simplified and reduced to less than 20 minutes.

Key service highlights:

  • Fully customized, branded closing room.
  • Add documents to the eClosingRoom through e-mail, uploading, faxing or direct integration from your LOS or imaging systems.
  • Borrowers preview and pre-sign closing documents in the convenience of their home, office or anywhere with Internet access.
  • eClosingRoom locks down documents for signing to ensure all documents are signed and initiated properly.
  • Dissolve long-term storage costs with digital archiving.
  • Mission-critical infrastructure and security measures protect your data and clients.

Enable the right electronic closing option for you

In addition to supporting fully electronic loan closings and hybrid loan closings, SureClose® supports the traditional paper-based closing. For closing agents who are unable to provide the electronic closing service, lenders are able to electronically route their documents through SureClose in a traditional PDF format.

Initiate the online conversation

For over a century, Stewart has driven the document management and recordation industry, installing cutting-edge solutions in county offices throughout the nation. Via our Landata Technologies Group, Stewart supports the delivery of the eNote for recording, and can completely automate the counties' back office to support a continuous file storage and paperless process for their land records management.

The Landata e-Recording System™ is a state-of-the-art document imaging software package designed to meet all electronic recording needs. In the real estate market, the “race to record” is an all-too-important facet of doing business. Lenders want their documents on record as soon as possible, helping to reduce Gap Risk, expedite policy generation, and offer improved customer service.

Title companies, attorneys and lenders can begin submitting documents electronically.

County recordation offices can find out how easy it is to begin accepting documents electronically. Now you can offer a comprehensive program that gives customers an end-to-end program that effectively offers county clerks and registrars of deeds a recordation system that leverages technology to cut operating costs, improve client service and self-fund operations.

Streamline your process online

Once the lender moves to the electronic closing and eMortgage process, it becomes critical to track, store and manage the electronic note and digitally signed documents. Additionally, since hybrid electronic closings (paper and electronic) are common, it is vital that any eMortgage solution support electronic delivery of the eNote, as well as electronic delivery of the imaged documents from the closing table to the lender and investor.

eMortgage Manager (Electronic Vaulting Solutions) – For lenders who adopt the eMortgage solution, we provide the eMortgage Manager for secure electronic storage and vaulting requirements of all loan documents, including the eNote.

eRegistration & eDelivery – In addition to fully-compliant storage of the eNote, the eMortgage Manager supports electronic registration with Mortgage Electronic Registration System (MERS) and electronic delivery to the investor of your choice.

Post-Closing QC, Audit & Investor Delivery

Stewart offers the lender the ability to outsource post-closing functions, including document management, document review and quality control, file auditing and investor delivery. For lenders who want to take ful advantage of the efficiencies of the electronic mortgage, Stewart can automate the major functions and outsource the remainder.