In 2026, e-signatures are the most widely used technology tool in mortgage with 87.3% adoption. According to a recent AD Mortgage Technology Survey, they outpace LOS/CRM systems, pricing calculators, and online applications.
To support wholesale partners at the final stage of the deal, AD Mortgage offers eClosing – a fully electronic closing process for eligible Fannie Mae and Freddie Mac loans. And now, eClosing is available for FHA loans as well.
eClosing allows your borrowers to sign the entire loan package online, including the Note, without a notary appointment or a single paper document.
We cover the notary fee, saving your borrowers up to $1,000 on eligible loans*.
How eClosing Speeds Up the Deal
eClosing replaces the traditional paper closing with a fully digital process. You won’t need to arrange a courier, schedule a notary, manage a paper package, or wait on the return shipment. Once the loan reaches Clear to Close, you request eClosing through AIM, and your borrower handles the signing online at their convenience.
How to request it:
- Submit a Conventional or FHA loan in AIM
- Once CTC, schedule closing in AIM > Loan > Actions > Schedule Closing
- We let you know 1 day prior to closing if we can proceed with eClosing
- Questions? Send an email to closing@admortgage.com with “eClosing” as the subject and your Loan Number in the body
Who Gets the Most Out of eClosing
eClosing works for a wide range of borrowers, but it delivers the clearest value in several specific situations.
- Refinance borrowers are the most natural fit. A refi is not a milestone moment, which is why many borrowers would rather close quickly and move on than coordinate an in-person signing.
- Borrowers with demanding schedules. For instance, business owners or frequent travelers often struggle to align their availability with a notary appointment. With eClosing, they sign when it works for them.
- Borrowers who can’t be present in person, whether they’re relocating, abroad, or otherwise remote at the time of closing.
- Clients without a strong preference (which is most borrowers) will simply appreciate the convenience. eClosing is faster and free of the logistics that slow down traditional closing.
- First-time buyers. FHA loans are a popular choice for first-time buyers. For borrowers going through the closing process for the first time, eClosing removes the logistical complexity, since there’s no notary to coordinate and no paper package to manage.
Have a specific borrower in mind? Submit a scenario request and our AE will help you figure out the best path to closing.
Digital Closings are Now the Standard
The mortgage industry has been moving toward digital tools for years, and borrower expectations have followed. As Max Slyusarchuk, CEO and Founder of AD Mortgage, put it:
“With more than 80% of professionals comfortable with tech, it’s clear the industry is ready for change. Now, the focus should be on making these tools work better for everyone.”
eClosing is another example of such a tool. It smoothes out the process and is available to AD Mortgage wholesale partners for both new submissions and loans already in the pipeline.
Try eClosing Now
Your next eligible closing can go faster, with no notary fee and no paper package. Get the details and request eClosing today.
*The offer applies to eligible loans in all states except AL, CA, CT, DC, GA, MS, SC, SD, and USVI.
For FHA loans, additional restrictions apply. eClosing is not available for NY CEMA loans, TX 50(a)(6) loans, Manufactured Homes, Loans Signed in Batch, Loans signed with Power of Attorney, RINs (Remote In-Person Notarizations), and Trust Loans. FHA eClosing is not available in AL, CA, CT, DC, GA, ME, MS, SC, SD, and USVI.
Yes. eClosing is available to AD Mortgage wholesale partners, for both new submissions and loans already in the pipeline. As long as the loan is an eligible Conventional or FHA product in an approved state, you can request eClosing once it reaches Clear to Close. For Conventional loans, eClosing is not available in AL, CA, CT, DC, GA, MS, SC, SD, and USVI. For FHA loans, Maine is an additional exception – eClosing is not available in AL, CA, CT, DC, GA, ME, MS, SC, SD, and USVI. No. It is available for any eligible Conventional or FHA loan, including purchase transactions. Refinance loans are a particularly common use case because borrowers tend to prefer a fast, convenient digital process, but the option is open across loan types. Yes. For FHA loans, eClosing is not available for the following: NY CEMA loans, TX 50(a)(6) loans, Manufactured Homes, Loans Signed in Batch, Loans signed with Power of Attorney, RINs (Remote In-Person Notarizations), and Trust Loans.
FAQ: eClosing for Conventional and FHA Loans
Can I use eClosing for a loan that's already in process?
Which states are not eligible for eClosing?
Is eClosing limited to refinance loans?
Are there additional restrictions for FHA eClosing?
