Do you have questions about eClosings or how the Pavaso Platform works? Check out our FAQs below to see if we’ve already provided answers to your burning questions.

Basic eClosing Questions:

1What is a full eClosing?
A full eClosing means “All Closing Documents” are signed, notarized, and recorded electronically.
2What is a hybrid closing?
A hybrid closing is a combination of eSignature and wet ink signed documents.
3Do you offer both hybrid and full eClosings?
Pavaso provides both hybrid and full eClosings. Each state in the U.S. has specific laws and regulations regarding eRecordings, eNotary, and eSignatures. It is at the lender's discretion on whether they will use a full eClosings. Verify if your lender excepts eRecordings, eNotary, and eSignatures before proceeding with a full eClosing.
4Do I need to print out the closing package when the closing is over?
No. The complete closing package will be saved on the Pavaso portal and be accessible to consumers if they want to print or save their package.
5What are the benefits of eClosing?
For Lenders:
• Save hundreds per loan
• Improve data & loan quality
• Eliminate errors, missed signatures, etc.
• Streamline business processes
• Decrease warehousing by funding faster

For Title:
• Standardize the closing process
• Eliminate errors, missed signatures, etc.
• Compliant, consistent, and accurate loan packages every time
• Faster delivery of closing documents to lenders
• Differentiate yourself among consumers, real estate agents, and lenders

For Consumers/Borrowers:
• Enjoy a convenient, faster, more transparent experience
• Access documents anywhere, anytime from any browser
• Review all documents at their convenience, prior to closing
• Increase consumer satisfaction & empowerment
6Do all states have laws to support the use of eSignatures?
All 50 states have adopted some form of eSign statute or law.
7What is an eNote?
An eNote is the electronic version of the promissory note that is executed on an eClosing platform and is registered with the MERS® eRegistry upon execution.
8Are GSE’s accepting eClosed loans?
Yes. Fannie Mae and Freddie Mac have long-accepted electronic signatures on documents in the closing process and believe that eClosings and eMortgages are the future.
9Are investors buying eClosed loans?
The list of investors who are purchasing eClosed loans is growing exponentially.
10What is the difference between eClosing and eSigning?
eSign simply replaces a wet signature with a digital signature and is just one component of eClosings. eClosings encompass the entire Pre-Closing, Closing and Post-Closing phases of the transaction.
11What is eNotarization or eNotary?
eNotarization is the act of notarizing documents electronically with an electronic seal. An eNotary is the certified notary public who completes the eNotarization.
12How long does it take to implement eClosings?
Getting started eClosing with Pavaso is not an IT project. We can walk you through training and get you up in running in just a matter of weeks.
13Do all states have laws to support the use of eSignatures?
All 50 states have adopted some form of eSign statute or law.
14What equipment is required to eClose?
No special equipment is needed. However, we recommend a touch device similar to a tablet or touch-screen laptop.
15 Is going “e” an all or nothing proposition?
No. The best approach is one step at a time, beginning with hybrid closings. Instantly provide an improved borrower experience, massive impact on efficiency & create a bridge to move your business to full eNotes.

Basic Notary Questions:

1How do we handle scheduling with a Notary Service?
Contact your Notary Service team and verify if the notary is Pavaso Certified. Follow current procedures with the Notary Service team to schedule getting notaries Pavaso Certified.
2Are mobile notaries trained also?
Yes. Mobile notaries go through separate training to become Pavaso Certified. Once they are certified, they will be added to the drop-down list for you to choose from under Order Details.
3 How do I become a Pavaso Certified Mobile Notary?
You can become Pavaso Certified by completing our Notary training, using the link below. Pavaso Notary

Document Management Questions:

1Do we need to print and wet sign any documents at closing?
This is an optional feature which is at the lender and title’s discretion.
2Can seller documents be signed using Pavaso?
Pavaso is designed to accommodate sellers. However, some lenders are beginning the digital process with borrowers only. If sellers are on a Pavaso order, they will complete a review process that mirrors the borrower(s) experience and review.

Note: It is very important that you confirm with the lender before adding any sellers. Most orders will not be configured to have sellers, so communication is key.
3 Why do we need to split the documents? Can’t we just upload the entire document set and leave as is?
Splitting documents is essential so the consumer can review and confirm each document individually. Splitting the documents also allow consumers to skip through documents. This is also makes navigating through documents easier because they are labeled individually.
4Are we going to have to manually tag the documents every time we upload them?
No. During implementation, we create templates for you. However, it is imperative that you review the templates/tag placement before sending the documents to the consumer to review and confirm.
5 Are our documents and lender documents all going to be in one place now? Are we still going to have to go to their encrypted site?
The complete closing package (all documents) with all documents will be available in Pavaso. Updates and changes to documents are saved and are available on the portal. You will not need to log into another system to access documents unless you are instructed to do so by the lender.

Consumer Review Questions:

1Can the consumer (buyers/sellers) view documents before closing?
Yes. The consumer will be invited to create a login within Pavaso to view documents prior to closing and once the closing is complete.
2What happens if the consumer (buyers/sellers) does not review documents ahead of closing?
If the consumer(s) do not review documents ahead of the closing, they can complete the review of the documents at the closing table. It is not required that the consumers review every document; however, it is required that they complete the Pre-Closing Review process.
3 If I have 2 or more consumers (buyers/sellers) does each party need to login and review the documents?
Yes. The Pavaso system requires that each party associated to the order create a unique 6-digit pin and complete document review to move forward to with the Pavaso digital closing.
4Will the consumers (buyers/sellers) have access to the documents after the closing?
Yes. The consumers will have the ability to download and print documents disclosed to them before or after settlement.

System Detail Questions:

1What equipment is required at closing?
The closing agent will need a PC or MacOS desktop or laptop. Tablets need to have a 10-inch screen or larger. Touchscreen is recommended but not mandatory. An internet speed of 60 Mbps download/upload or faster.Yes. The consumer will be invited to create a login within Pavaso to view documents prior to closing and once the closing is complete.
2Are there any specific browser requirements?
Compatible web browsers: Chrome 52 (latest), IE 11 (latest), Firefox 52 (latest), Edge (latest), and Safari 11 (latest).
3What is the importance of the 6-Digit Pin?
The 6-Digit Pin is a unique user identifier which will be used during signing day to validate the user’s presence.
4What happens if a user forgets their Pavaso PIN?
If a user forgets their PIN, they can click on Digital Close Enterprise from the Pavaso dashboard and select “Reset a Forgotten PIN.” Please reference “Reseting My 6-Digit Pin” for more details.
5What level of secure does Pavaso provide?
Pavaso Delivers an additional layer of data protection by securing all private and sensitive information from unauthorized access to the underlying data stored. For more details please reference our security Certifications and Standards page.

Account Questions:

1Why is my Pavaso Account stating that it is inactive?
This is most likely due to having a Pending account that has not yet been activated. Please use the invitation email that was sent to you to complete your account creation. This could also be a result of entering incorrect credentials when signing in.
2I am trying to sign up for a Pavaso account, but it keeps giving me an error that my email address is already in use. I have never used Pavaso before, so why am I receiving this message?
This is due to having a Pending account in Pavaso that has not been activated. To activate your account, please use the link in the invitation email sent to you.
3I am a Borrower/Notary/Attorney and just created my account and when reading the Terms and Conditions, I noticed that it says that I will be charged. How much will I be charged and what for?
There is not a fee associated with creating or having a Pavaso account. If you choose to become an eNotary, there is a fee of $99 to register and $50 to renew annually.
4 I created my account and filled out all of the general information, but my account is still only showing 55% complete. How do I get my account to 100%?
Pavaso has a few applications that are still being worked on, which is what is preventing your account from reaching 100%. At this time, your account is complete, so the percentage can be disregarded. .