eMortgage means using electronic processes and signatures in your mortgage production. Specifically, it's electronically-signed closing documents with an original electronic promissory note (eNote) signed on an eClosing platform and registered with the MERS eRegistry® right after execution.

The Mortgage Industry Standards Maintenance Organization® (MISMO) created the standards back in 2001. Their eMortgage Guidelines are available at mismo.org. We follow these standards - always.

Two major laws make this all possible: the Electronic Signatures in Global and National Commerce Act (ESIGN) from 2000, and the Uniform Electronic Transactions Act (UETA) adopted by 47 states, D.C., and the U.S. Virgin Islands. The other three states (WA, IL, and NY) have their own electronic signature laws.

Yes, BlueNotary works in all 50 states.

• Sign that eNote electronically through your eClosing platform - no more pen cramps
• Lock it down with a tamper-proof digital seal (because security matters)
• Register on MERS® eRegistry within one business day - don't drag your feet
• Shoot the eNote and supporting docs straight to your investor's eVault via MERS® eDelivery
• Transfer Control & Location to your investor through MERS® eRegistry (just a few clicks)
• Submit your delivery data with that all-important eNote Indicator flagged
• Boom - certified and funded. While others are still pushing paper, you're already moving on to the next deal

That's it. No unnecessary complexity, no waiting around. Just a streamlined process that gets you funded faster.

It's the system of record that tracks who owns and controls eNotes. Think of it as the central database that keeps everything legitimate and verifiable.