Overview

Total eClose is DocMagic’s end-to-end eClosing platform that enables a fully paperless mortgage closing workflow. The system combines dynamic document generation, eSignature, eNotary (RON and IPEN support), eNote/eVault lifecycle management, audit trails, and collaborative closing tools to guide lenders, settlement agents and borrowers through compliant, auditable closings. It is positioned as a single-source solution to automate closing tasks and preserve regulatory and investor compliance.

Features and Capabilities

• Document Generation & Library: The platform uses DocMagic’s intelligent, data-driven document generation and a maintained eForms library to produce accurate, regulatory-compliant closing documents.
• eSignature (ClickSign): Integrated electronic signing with date/time stamps and full audit trails for signer authentication and signer experience management.
• eNotary (RON & IPEN): Remote Online Notarization capabilities and in-person electronic notarization support to enable notarized electronic closings across appropriate jurisdictions.
• eNote & eVault (SmartSAFE / SmartREGISTRY): eNote lifecycle handling, tamper-evident seals, validation and secure storage for investor delivery and compliance workflows.
• Collaborative Closing (SmartCLOSE): Portal-based collaboration allowing lenders, title and settlement agents, and other counterparties to view, edit, assign and coordinate closing tasks before execution.
• Audit Trails & Compliance Controls: Date/time-stamped audit logs, configurable workflows and automated compliance checks to meet regulatory and investor requirements.
• AutoPrep & Closing Automation: Tools to prepare and preflight closing packages, reducing manual steps and improving data and document integrity prior to signings.
• Settlement Agent & Borrower Portals: Dedicated consoles for settlement agents and borrower experiences, including guided signing flows, countdown timers and identity verification options.
• Integration & LOS Connectivity: Designed to integrate with loan origination systems, investor pipelines and third-party services to automate document handoffs and post-closing processes.
• Flexible Closing Modes: Supports fully electronic eNote and eNotary closings as well as hybrid workflows to accommodate jurisdictional and participant preferences.