Initial Disclosures sent through JMAC’s Disclosure Generator are emailed to the borrowers eSign. All other electronic disclosures use eConsent.

To learn more about the Disclosure Generator, click Generating Initial Disclosures.

Video Tutorial

Step By Step Tutorial

Initial disclosures will be emailed from noreply-MortgageTech@ice.com to each borrower and the Loan Officer with a link to the loan documents. To protect the borrower’s information, we do not send any disclosure documents as email attachments.

Each borrower should have a unique email address for eSignature. Click Doc Link to begin the process.

Each borrower confirms their identity by signing in with their Consumer Connect Credentials. When logging in for the first time, borrowers will be need to create an account.

Select either Text or Call to receive the authentication code.

Optiona: Select Try Another Way to have it sent to your email.

Enter the authentication code to proceed with the eSigning process.

Note: If borrowers already have an existing account, the system will auto-fill the username and prompt them to sign in with their password.

Note:

After 5 failed attempts to login and on 6th attempt, the user is suspended for 15 mins.

After 15 mins, users will have another 5 attempts and on the 6th attempt, the user is suspended for another 15 mins.

After 15 mins, users will have another 5 attempts and on the 6th attempt, the user account will be locked for 24 hours.

Read the Electronic Consent Agreement, then select whether you Agreen or Don't Agree to electronically receive disclosures.

Next, you will need to review the initial disclosure package. Click Sign to begin the eSign process.

Click Next to proceed.

Click Start to begin eSigning.

As disclosures are read, the document indicator on the left-hand will indicate where to sign. Click on Sign to set your initials and signature.

Select the style for your signature and initials and click Adopt and Sign.

Once all disclosures have been reviewed and signed, click the Finish button at the top right hand corner.

The system will confirm with a notification at the top right hand corner of the screen indicating that the package has been successfully eSigned.

You can download or print a copy for yourself by selecting Review & Sign, toggling the Task Status to Completed, and clicking View.

The eSignature package will not automatically upload to JMAC until all borrowers and the Loan Officer have eSigned.

What's Next

After all parties eSign, you are ready to submit the loan.

If a borrower does not eSign by the third day after the Application Date, disclosures will be mailed to meet the TRID disclosure requirement. Even if disclosures are mailed, the Loan Officer and all borrowers have 14 calendar days from sending to sign electronically.