# Modern Mortgage Closings Drive efficiency with single sign-on convenience, full LOS integration, and dedicated title collaboration tools with nCino eClose. Save time, build trust by connecting all closing participants, and streamline the homeownership and closing journey. Drive efficiency with single sign-on convenience, full LOS integration, and dedicated title collaboration tools. --- ## Certifying Our Commitment to Mortgage ### nCino is a MISMO Certified Remote Online Notarization Provider Adherence to MISMO standards can reduce costs, simplify systems, and reduce the risk of errors. ### nCino is a MISMO® Certified eMortgage Technology Provider Adherence to MISMO standards can reduce costs, simplify systems, and reduce the risk of errors. ### nCino is approved to do eMortgage business with Freddie Mac nCino has completed Freddie Mac Review. ### nCino has completed technical compliance testing with Fannie Mae as an eMortgage technology provider. nCino offers technology services that enable the creation and submission of eMortgages to Fannie Mae --- > eClosings take about 10 minutes through nCino… The shortened closing process leaves more time for buyers, sellers, and agents to wrap things up and celebrate the new homeowners. > > — Real Estate Partner, Altra Federal Credit Union --- ## Altra Federal Credit Union Transforms Home Lending Learn how Altra Federal Credit Union modernized their home lending process and brought closing times to about 10 minutes. With our mobile-first approach, seamless integration, and modern mortgage closings, nCino can help you turn your mortgage operation into a valuable asset. [Download the Altra FCU Case Study](https://assets.ctfassets.net/ze344jjyx19q/2sZrnExf2dz8lFBVKy4MuW/0e8cae79bb22f2c3fd5b63a4a7c2d97c/Case-Study_Altra.pdf) --- ## How it Works: Closing through Servicing - Documents can be signed, notarized, and recorded electronically - Tamper-sealing prevents changes after signing - Documents are delivered to and reside in a secure eVault - eNotes are registered on the MERS® eRegistry - An inquiry-only application, MERS® eRegistry stores and delivers copies of eNotes and other electronic documents - The authoritative copy can be distinguished from all other copies - eVault enables secure transfer to the secondary market and GSEs [**Download the Feature Overview: Closing **](https://assets.ctfassets.net/ze344jjyx19q/3V6ChuDN1trdHl52kTUxy6/0c23848eb5b2b8d7ac143acf57f74cd4/ncino-mortgage-closing-feature-overview_Product-Sheet.pdf) --- > Personal relationships with members are the heartbeat of our mortgage operation. nCino allows us to grow, manage, and evaluate the impact of those relationships with just a few clicks. > > — Jordan Houghtaling, Manager of Real Estate Systems, Altra Federal Credit Union --- ### eNote Increase processing speed and reduce risk. eNote eliminates all costs and risks associated with handling, shipping, storing, and preserving paper promissory notes. Provide a fully digital experience that opens the availability of times where all parties can meet to finalize any remaining paperwork as quickly as possible. All documents are electronically signed, including the notarized docs and eNote. ### eVault Securely access, manage, and store electronic loan records. nCino’s native eVault offering and leading integrations with eVault technology reduces cycle times and improves process efficiencies. Before an eNote is entered into the MERS® eRegistry, the eVault validates document integrity and protects it with a tamper-evident seal. Then with direct integration to the MERS® eRegistry, the eNote is seamlessly transferred and registered, unlike paper delivery which can take days. ### eRegistry nCino Mortgage Closing is integrated with the MERS® eRegistry, which means users can access information seamlessly and reduce handling costs. After an eNote is sent to the MERS® eRegistry, copies can be instantly eDelivered to multiple parties. Each copy is validated and tracked by the receiving eVault, leaving an audit trail. This efficient process allows multiple copies of an eNote to exist at any given time, while keeping the original identifiable as the authoritative copy. Today, increasing repeat and referral business requires a memorable, modern experience. Give borrowers the convenience and confidence needed to close with a fully digital, single sign-on experience. eMortgage paired with the nCino Mortgage Suite enables lenders to provide a digital-first experience and close every opportunity. ### Remote Online Notarization (RON) Convenience is a competitive advantage. Outshine competitors by offering advanced digital closings. Remote Online Notarization supports digital closings and offers mortgage lenders several strategic advantages, including simplifying and modernizing the consumer experience while also improving operational efficiencies and workflows for closing teams. Additionally, integrated RON closings ensure better-quality data and fewer errors, faster delivery of loans to the secondary market, and ultimately the potential to increase market share where your competitors are not ready to offer digital closings. Reduce the cost per loan by automating tasks and eliminating paper. --- > We have a lot of our title partners that reach out to us and say ‘This closing portal is awesome. You have no idea what else we’re dealing with out there. > > — Dan Windell , Senior Project Manager, Thrive Mortgage --- ## Convenience is Your Competitive Advantage - nCino Mortgage Closing supports industry compliance and enforceability standards, while maintaining the highest level of legal enforceability. - Instead of paper promissory notes, in a fully digital mortgage, the borrower’s promise to pay is recorded via an eNote – the key document signed at closing – and an original is stored securely in the eVault. - Using the eVault helps clients securely manage their electronically signed assets throughout the entire post-execution loan life cycle. - eVault assists lenders in creating, storing, and assigning digital loans. - Users are able to tightly control and track access, status changes, and retention policies of the original documents. - In addition, the solution provides protection and compliance using digital tamper seals, as well as a detailed audit trail and reporting functionalities. --- ## eClosing Resources ### Simplifying Mortgage Closings: The Advantages of eNote and eVault Technology Mortgage and capital markets are becoming increasingly digital. For lenders, eVault and eNote technology, combined with eClosings, are key requirements for moving collateral through the digital mortgage ecosystem. [Read more](/simplifying-mortgage-closings-advantages-enote-evault-technology) ### 8 Reasons Credit Unions Are Choosing nCino for Mortgage Origination Credit unions represent a unique sector within the world of finance. They offer an exceptional service to their member base, backed by competitive loan offerings. In order to deal effectively with this unique operational model, credit unions' lending technology needs to align correctly. [Read more](/8-reasons-credit-unions-are-choosing-ncino-mortgage-origination) ### How to Choose the Right Mortgage Origination System for Your Credit Union Credit unions play a vital role in their communities by offering their members important financial services like loans and savings accounts. A key component of credit union operations is the lending technology members and employees use. [Read more](/how-choose-right-mortgage-origination-system-your-credit-union) ### Altra Federal Credit Union Transforms Home Financing for Members and Employees with nCino’s Mortgage Suite Altra Federal Credit Union \(Altra\) is a member-owned credit union with branch offices in Wisconsin, New Jersey, Minnesota, Tennessee, Texas and Colorado. Altra strives to provide consistent and up-to-date products, services and guidance to its members through a wide range of financial services. [Read more](/altra-federal-credit-union-transforms-home-financing-members-employees-ncinos-mortgage-suite) ### Journey to a Single Sign-On Home Buying Experience Genesee Regional Bank was formed in 1996 to serve small business clients in the Rochester, Watertown and Central New York communities. When the community bank launched, it set out to meet the needs of their clients for today and tomorrow. From this original vision, the Bank has grown rapidly to become one of the leading mortgage lenders in the region, with more than$800 million in assets. [Read more](/journey-single-sign-on-home-buying-experience) ### How a Point-of-Sale Solution Transforms Mortgage Lending for Tech-Savvy Customers Applying for a mortgage can be a daunting experience. From collecting and organizing paperwork to completing lengthy application forms, the process can be time-consuming, stressful, and prone to errors. With the help of the right digital mortgage experience and a point-of-sale \(POS\) solution, however, the mortgage application process can be streamlined and simplified for the customer or member, real estate professional, loan officer, title and settlement partner.Keep reading to learn five reasons innovative financial institutions are choosing a digital mortgage solution with a built-in point-of-sale solution to modernize the home lending experience:Power lending experiences with a user-friendly interface.One of the biggest advantages of a digital mortgage experience combined with a point-of-sale solution is the user-friendly interface. With one login, each stage of the mortgage transaction is streamlined across all stages of the journey. The right solution simplifies application processes and provides customers with a simple, easy-to-navigate workflow that guides them through the application process step-by-step. It also empowers real estate agents and lenders to provide pre-approval letters at their office, or more conveniently through a mobile device. This ensures customers provide all the necessary information and reach key milestones, and it makes the application process less intimidating and more accessible. The right solution must also make the experience just as simple and seamless for customers that prefer to work directly with their loan officer. With a native mobile experience, customers can apply for a mortgage, receive approval, and close on their home, all from the convenience of a mobile device. [Read more](/how-point-sale-solution-transforms-mortgage-lending-tech-savvy-customer) ### How Digitizing the Closing Process Can Benefit Your Bottom Line in 2023 With 2023 underway, savvy lenders are looking for mortgage tech that will help them navigate the economic headwinds this year is slated to bring. Efficiency, cost savings, and better collaboration are top of mind for many lenders. But which part of the mortgage journey can they digitize? [Read more](/how-digitizing-closing-process-can-benefit-your-bottom-line-2023) --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)