Borrower eConsent

Borrower eConsent

All electronic disclosures except those sent through JMAC’s Disclosure Generator are sent as eConsent. To learn more about esign, please read eSigning Initial Disclosures.

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.

Optional: 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 Agree or Don't Agree to electronically receive disclosures.

Disclosure Notifications

Disclosure notifications are emailed to the assigned Loan Officer. You will be notified when disclosures are sent to each borrower,

when any borrower eConsents.

and when all parties have eSigned. This indicates that the signed disclosure package has been automatically uploaded to JMAC.

If a borrower declines consent, you will receive a notification and JMAC will mail disclosures to that borrower.

If a borrower declines eSign by mistake, contact the Disclosures Team at disclosures@jmaclending.com.

What's Next

Once all borrower's consent, the Change of Circumstance is complete. If a borrower does not econsent by the third day after the Change of Circumstance date, disclosures will be mailed to meet the TRID disclosure requirement. Even if disclosures are mailed, borrowers may electronically review disclosures for 7 calendar days.