eMortgage
The MISMO eMortgage standards provide a framework for implementing all aspects of the digital mortgage process. The work products provided are approved MISMO eMortgage standards.
Several MISMO workgroups are focused on creating and updating eMortgage specifications. Additional information can be found on the eMortgage Workgroup page.
Remote Online Notarization Standards
MISMO Remote Online Notarization Standards are guidelines for implementing remote notarization, focusing on identity verification, title insurer requirements, provider information, audio/video recordings, notarial records, and audit trails. These standards provide technical and procedural guidance for various stakeholders including regulators, financial institutions, and service providers.
MISMO SMART Doc® Products
The MISMO SMART Doc® is an electronic document standardized by MISMO that locks together data and presentation to ensure integrity.
The SMART Doc® V3 Specification was published to support the MISMO 3.x Reference Model and includes 4 profile types: Basic, Retrievable, Tamper Evident, and Verifiable. Consolidating information about both specifications in a single location will help simplify the process and encourage move SMART Doc® adoption.
The SMART Doc® V3 Sample Package is part of MISMO’s broader program to help increase SMART Doc® adoption to documents beyond the eNote.
The SMART Doc® Specification is a technical framework for representing documents in an electronic format. The SMART Doc® v1.02 is used industry wide as the base for eNotes.
The Consolidated SMART Doc® FAQ document is an update that combines information about the SMART Doc® V1.02 and SMART Doc® V3 Specifications into a single location.
Additional eMortgage Standards
MISMO's eModification Reference Guide is an easy-to-read reference for identifying whether eModifications are permitted by Fannie Mae, Freddie Mac, or Ginnie Mae. For more information click above.
MISMO's eMortgage Glossary contains defined terms that are intended to provide a general vocabulary for eMortgages. For more information click above.
The eMortgage Closing Guide describes general eClosing concepts, provides general guidelines for electronic closing platforms and services, and explains the legal framework surrounding electronic closing. For more information click above.
The purpose of the ePackaging document is to provide a specification for a collection of related SMART Documents, called a package. The eMessaging document provides implementation guidance for the MISMO Request/Response messaging structure for use with eMortgage applications. For more information click above.
This document describes the business requirements to allow for the eRecording of electronic recordable instruments in common electronic document formats such as MISMO SMART Doc®, eSigned PDF and Adobe Intelligent Document Format, and Microsoft® Word with embedded-XML. For more information click above.
The purpose of this document is to provide information and guidance for evaluating, implementing, and relying on electronic vaults for storing electronic documents, and in particular, the eNote. For more information click above.
This compilation, eSigned PDF Guidelines, published by MISMO, provides implementation guidance for creating electronically signed PDF documents using the Adobe PDF specification.
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