Borrower's Certification And Authorization Ellie Mae Form

Use a Borrower's Certification And Authorization Ellie Mae template to make your document workflow more streamlined.

What the borrower authorization form does

Borrower's Certification And Authorization Ellie Mae Form is a mortgage-borrower statement that confirms the applicant's information and authorizes the lender or designated parties to verify it. The borrower typically reviews identifying, employment, income, asset, debt, and property details, then certifies that the information is accurate and gives permission for verification. A lender may use the signed form during underwriting and loan processing. The exact fields and required signatures depend on the lender's version, so borrowers should follow the instructions attached to their loan application.

Mortgage lenders

Mortgage lenders and loan processors use this form to document a borrower's certification and permission to verify application information. Their workflow may include the completed authorization, loan disclosures, income documentation, asset records, and underwriting correspondence. Before sending, staff should confirm that the lender's version contains every required field and signer.

Borrowers and representatives

Borrowers and authorized representatives review the form before signing, checking names, addresses, employment details, and other statements against the loan application. The completed record can accompany supporting documents such as pay records, bank statements, consent forms, and property-related paperwork, subject to the lender's instructions and applicable privacy controls.

Field detection

Upload the lender-provided PDF and place borrower names, signatures, initials, and dates without rebuilding the document from scratch.

Signer routing

Route the authorization to each required borrower in a defined signing order, reducing missed assignments during loan processing.

Audit trail

Capture signer activity, timestamps, IP information, and completion history to support the lender’s record of execution.

Mobile signing

Let borrowers review and sign from a desktop or mobile device when the lender permits electronic execution.

Reusable template

Reuse an approved borrower authorization template while preserving the lender’s wording and required fields across loan files.

Secure records

Store the signed authorization with completion evidence so processors can retrieve the exact executed record during underwriting.

How this borrower form works

signNow turns the lender’s PDF into a controlled signing workflow while preserving the document and its execution history.

Upload form: Upload the lender-provided borrower authorization.
Detect fields: Auto-detect and verify fillable fields.
Send request: Assign borrowers and send securely.
Complete record: Collect signatures and store the audit trail.

How to complete the borrower form

Use the lender-provided document, verify every borrower field, and preserve the signed record with its completion evidence.

Upload form:
Upload the lender’s version and let signNow detect fillable fields.
Check fields:
Review borrower names, dates, and authorization language.
Assign signers:
Assign signature and date fields to each borrower.
Send request:
Send the form through signNow’s secure signing workflow.
Save records:
Download the completed form and audit trail.

be ready to get more

Get legally-binding signatures now!

Start free trial

Request a call

Best ROI. Our customers achieve an average 7x ROI within the first six months.
Scales with your use cases. From SMBs to mid-market, airSlate SignNow delivers results for businesses of all sizes.
Intuitive UI and API. Sign and send documents from your apps in minutes.

Connect borrower authorizations to workflows

Connect the signed borrower authorization with mortgage operations, customer records, cloud storage, and project systems through named signNow integrations.

Setting	Recommendation
Authentication method	Email verification with SMS OTP
Signature type	Electronic signature with signer intent
Audit trail	Retain completion certificate and action history
Document retention	Follow lender policy and applicable state law
Encryption	TLS 1.2/1.3 in transit and AES-256 at rest

Security for borrower records

Encryption at rest:

AES-256 at rest

Transport encryption:

TLS 1.2/1.3 in transit

Independent controls:

SOC 2 Type II certified

Security management:

ISO 27001 certified

Protected health data:

HIPAA compliant with BAA

U.S. eSignatures:

ESIGN and UETA compliant

Mobile access for borrower forms

Borrowers can use signNow mobile apps for iOS and Android to review and sign the lender’s authorization. The workflow uses encrypted connections, and the lender should confirm device access, app availability, and offline-signing requirements before sending sensitive loan records.

Mobile apps iOS and Android apps
Offline signing Offline signing supported
Document capture Camera document capture

A regulated lending operation should manage mobile access through its device, identity, and retention policies. Enterprise deployments can evaluate API access, SSO provisioning, and advanced signer authentication when the borrower authorization must connect with controlled loan-processing systems.

Best practices for this mortgage form

Accuracy, controlled signer assignment, and complete execution evidence help prevent delays when processing a borrower authorization.

Use the lender-approved document version

Use the exact version supplied by the lender or loan program. Do not replace authorization language, remove disclosures, or alter certification statements without written approval from the lender’s compliance or underwriting team.

Reconcile fields before sending

Compare the borrower’s entries with the loan application and supporting records before sending. Correct names, addresses, employment information, and dates while the document remains a draft.

Assign every required signer

Assign every signature, initials, and date field to the correct borrower. Require each signer to review the certification and authorization language before applying an electronic signature.

Preserve execution evidence

Download the completed PDF and its audit trail after signing. Store both with the loan file under the lender’s access, retention, and privacy procedures.

Privacy and execution pitfalls

Sending the wrong lender version can omit required certifications, disclosures, or borrower fields and force the processor to restart the signing request.
Unassigned signatures or dates leave the Borrower's Certification And Authorization Ellie Mae Form incomplete even when one borrower has already signed.
Including unnecessary financial or identity information in shared copies increases exposure when access permissions are broader than the loan team requires.
Failing to preserve the completed PDF and audit trail makes it harder to show who signed, when they signed, and which version they executed.

Limits and state-law issues

State rules may require separate acknowledgment

Notarization

Excluded from ESIGN coverage

Wills

Certain decrees remain excluded

Family law

State recording rules still apply

Real-estate deeds

Authenticate signer:

Records the authentication event used to identify the borrower.

Record timestamp:

Captures the signing time and related event metadata.

Hash document:

Associates the completed document with integrity evidence.

Seal history:

Seals the execution history against unnoticed changes.

Track actions:

Logs reviews, signatures, initials, and completion actions.

Export audit trail:

Allows authorized users to retrieve or export evidence.

Prepare document

Upload the lender-approved Borrower's Certification And Authorization Ellie Mae Form and verify its fields before adding recipients.

Deliver to signers

Send the authorization to the named borrower or borrowers through signNow’s email delivery or signing link.

Collect signatures

Borrowers review the certification and authorization, then complete assigned signatures, initials, and dates.

Archive completion

Download the executed form and completion evidence, then place them in the lender’s controlled loan record.

Troubleshooting borrower authorization workflows

Resolve field, consent, authentication, plan, and compliance questions before the signed authorization enters the loan file.

On the Business plan, signNow provides templates, audit trails, mobile apps, and legally binding eSignatures. If the lender needs bulk sending for repeated borrower packets, Business Premium adds that capability at $15/user/month when billed annually.

signNow supports ESIGN and UETA requirements, including signer intent, electronic consent, attribution, and record retention. For consumer-facing records, provide the required ESIGN disclosure and confirm that the borrower can access and retain the electronic record.

If a borrower cannot access the assigned field, check the recipient assignment and field type, then reopen the document in the editor. A signature field assigned to another borrower will not be available to the current signer.

The Business plan costs $8/user/month with annual billing and includes 100 signature invites per user per year. Additional invite charges may apply, so lenders should review expected volume before selecting a plan.

signNow offers SMS OTP and advanced signer authentication options. If the lender requires stronger identity proofing, confirm the selected plan and authentication configuration before sending the authorization to a borrower.

For loan files containing protected health information, signNow identifies HIPAA compliance as requiring a business associate agreement. The lender should execute the BAA and confirm that the workflow meets its privacy obligations before using the form.

28M+Documents signed

13+Years in business

4.6/5Average G2 rating

BE READY TO GET MORE

Get this form now!

If you believe that this page should be taken down, please follow our DMCA take-down process.