Send Loan Estimates, Closing Disclosures, intent-to-proceed forms, and all required mortgage disclosures for digital signature in minutes — not days. TILA-RESPA compliant. Borrowers sign from any device.
Free plan available · No credit card required · TILA-RESPA compliant
From the initial application to the Closing Disclosure — handle every signature digitally, compliantly, and without chasing paper.
Upload your Loan Estimate, Closing Disclosure, initial disclosures, authorization forms, and rate lock agreements once. AI detects all signature and initial fields automatically — no manual placement.
Zignature timestamps every delivery and tracks the mandatory 3-business-day waiting period for Closing Disclosures automatically. Get alerted when you're clear to close — and never accidentally close too early.
Borrowers receive a text or email link and sign from any iPhone, Android, tablet, or desktop — no app download, no account creation required. Co-borrowers sign simultaneously or in sequence.
Every signing event is recorded with IP address, timestamp, device, and geolocation. Your Certificate of Completion satisfies CFPB examination requirements and state licensing audits.
Stop chasing borrowers. Zignature automatically sends reminder emails and texts at intervals you control — keeping your pipeline moving without manual follow-up phone calls.
Connect to Encompass, Byte, Calyx, Salesforce, and HubSpot via native integrations, Zapier, or REST API. Trigger document sends from loan status changes and auto-upload signed files to the loan folder.
Set up your loan document workflow once. Send any package to any borrower in under 2 minutes.
Upload your Loan Estimate, initial disclosures, or Closing Disclosure package. Zignature's AI reads the document and auto-places all signature, initial, and date fields.
Enter borrower and co-borrower names and emails. Choose email, SMS, or both. Borrowers receive a secure link and sign from any device — CD delivery timestamp is recorded for TILA-RESPA compliance.
Once signed, you and the borrower each receive the completed document. A full audit trail PDF with timestamps is included. Signed files sync automatically to your LOS or CRM.
From the application through the closing table, Zignature handles the full mortgage disclosure stack — with compliance built in, not bolted on.
Closing Disclosure
Johnson Refinance — 4.875% 30yr Fixed
Pipeline
"I used to spend 20 minutes per file chasing down signatures on initial disclosures. Now borrowers sign the same day I send them, from their phones. My clear-to-close rate went up because I'm not missing CD deadlines anymore."
Rachel C.
Loan Officer, Colorado
"The CD deadline tracking alone is worth the price. I no longer have to manually log when I sent the CD and count business days. Zignature tells me exactly when I'm clear to close."
David M.
Senior Loan Officer, Texas
"My borrowers are always confused by paper disclosures — they lose them, forget to mail them back. With Zignature they just tap a link and sign. Our average time from LE to intent-to-proceed dropped from 3 days to 4 hours."
Amanda L.
Branch Manager, Florida
Join thousands of loan officers who send mortgage disclosures digitally and close in less time.
Free plan available · No credit card · TILA-RESPA compliant