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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

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

Hybrid Closing + eNote

Shorten the closing ceremony by enabling the majority of closing package documents to be eSigned. Remaining wet-sign documents are completed in person with a notary.

RON + Hybrid Closing

Remote online notarization provides convenience by allowing borrowers to electronically sign notary-required documents in a secure video call ceremony with a notary.

Full eMortgage Closing

Deliver modern convenience with a fully integrated electronic closing solution supporting traditional, hybrid, and fully digital closings.

Traditional Closing

The traditional closing process typically entails an in-person meeting and the physical wet-signing of documents, as opposed to the increasingly prevalent virtual or online closings.

Jordan Houghtaling Profile

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

Thrive Mortgage

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

A cover image to the Thrive Video

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.