Hybrid and remote e-closing

How do we run a hybrid closing where the borrower e-signs the documents that allow it before the table and signs the rest in person, with the signed set returned and checked?

Split the package by what the law and the investor allow to be e-signed, and check both halves. Callvu classifies each closing document as e-signable or wet-signed under E-SIGN, the state's notarization rules and the investor's requirements, delivers the e-signable set to the borrower ahead of the table on a process-controlled screen with the E-SIGN consent on record, sends the wet-signed set to the settlement agent, receives both signed sets back, checks every signature and notarization, and assembles the complete executed package for funding and delivery.

In scopeComplex: multi-party handoffsCallvu moves: chase and verify, write back

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Last updated November 7, 2026.

The problem today

The borrower spent ninety minutes at the table signing documents they could have signed at home, and one page came back unsigned anyway.

Today, without Callvu

A traditional closing puts a hundred pages in front of the borrower at a table with a notary. A hybrid closing lets the borrower e-sign most of them in advance and sign only the note, the security instrument and the notarized affidavits in person. The split depends on E-SIGN, the state's notarization rules, the investor's e-note and e-vault requirements, and the lender's own policy.

The failure modes are the split being wrong (a document e-signed that needed a wet signature), the e-sign consent missing, and the returned sets not being checked page by page. Each is a document that must be re-executed or a loan that cannot be delivered.

The split is a classification, and the check is a reading. Both are process work.

How it runs

From the requestto the system of record.

The closing package is assembled and the closing date is set. Callvu classifies each document for the hybrid closing and opens the signing case.

Borrower: E-signs the advance set on a secure screen and signs the rest at the table.
Settlement agent: Conducts the table closing with the wet-signed set and returns it through the secure link.
Notary: Notarizes the documents that require it at the table (or by remote online notarization where allowed).
Closer: Sees both sets' status and resolves exceptions.
Callvu: Classifies, delivers both sets, captures e-signatures, receives and checks the returns, assembles the executed package.

Classify the documents
Each document in the package is classified as e-signable (disclosures, affidavits not requiring notarization, lender forms) or wet-signed (the note where no e-note is used, the security instrument and riders, notarized affidavits, state-required wet documents), under E-SIGN, the state's rules, the investor's requirements and the lender's policy.
Chase and verify the advance set
The e-signable set is delivered to the borrower ahead of the closing on a process-controlled screen, gated on the E-SIGN consent on record, with each document shown in full and signed with a timestamp; reminders run and the closer sees progress. The wet-signed set goes to the settlement agent through the secure link with the signing instructions.
The table and the return
The borrower signs the wet set at the table with the notary; the settlement agent returns the signed set through the secure link; both sets are read page by page for every signature, initial and notarization block, and any defect is listed with the page.
Write back
The complete executed package (the e-signed set with its audit trail and the wet-signed set as returned) is assembled, checked and written to the LOS, with defects routed to the closer for re-execution before funding.

Where it ends: The borrower signed what could be signed in advance on a secure screen and only the rest at the table, both sets were returned and checked page by page, and the executed package is complete in the LOS for funding and delivery. The Decision Trace shows the classification and each check; the Audit Trace shows the e-signatures, the return and the defects.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

E-SIGN Act (15 USC 7001 and 7006) and the Uniform Electronic Transactions Act as adopted by the state: Electronic signatures and records are valid for most closing documents with the consumer's consent on record; certain documents and notarizations follow state law, and the e-signature process must attribute the signature to the signer and retain the record. The e-note is a transferable record under section 7021 with its own control requirements.
State notarization and remote online notarization laws: Documents requiring notarization are signed before a notary under the state's rules, in person or by remote online notarization where the state permits; the classification applies the property's state.
Investor and agency requirements for e-closings and hybrid closings (Fannie Mae and Freddie Mac eMortgage and eClosing requirements; FHA e-signature policy): The investors specify which documents may be e-signed, the requirements for e-notes, e-vaults and e-registries where used, and the audit trail the e-signature platform must produce; the lender's hybrid policy follows them.

Company policies

The e-signable and wet-signed split is classified per document under the law, the state and the investor; the closer does not decide it at the table.
The advance set is delivered only with the E-SIGN consent on record, on a process-controlled screen.
Both returned sets are read page by page; defects are re-executed before funding.
The LOS holds the executed package with the e-signature audit trail.

Controls

Document classification by law, state and investor.
E-SIGN consent gate on the advance set.
Full display and timestamped e-signatures.
Wet set delivery to the agent with instructions.
Page-by-page signature and notarization checks.
Defect routing for re-execution.

Clocks and deadlines

Advance set: Delivered after the Closing Disclosure and before the table, with reminders.
Return and check: Before funding; the gate holds on defects.

Documents and checks

The document classification
The e-signed set with its audit trail
The wet-signed set as returned
The page-by-page check results and defects
The executed package in the LOS

In the Decision Trace

Each document's classification and why.
The consent gate.
Each check and defect.

In the Audit Trace

The deliveries and the e-signature events.
The return.
The re-executions.

The handoff

Between the front doorand the back office.

The front door

The borrower's secure screen for the advance set; the settlement agent's secure link for the wet set.

The back office

The closer sees both sets' status and resolves defects; funding receives a checked package.

The Decision Desk

A document whose classification is uncertain for the state or the investor, or a defect that cannot be cured before funding, goes to the closer in the Decision Desk with only the allowed outcomes.

Proof

In scope.Proof at scale, not one process at a time.

The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.

Bank Leumi runs its home lending workflows on Callvu.

MTG-01

Community Bank of Mississippi runs TRID loans on Callvu.

MTG-02

More than 1,000 processes are live across Callvu customers.

Across Callvu customers

Questions

What buyers ask next,answered plainly.

Which documents can be e-signed?

Those the law, the property's state and the investor allow, classified per document by rule; the note (unless an e-note), the security instrument and notarized documents are typically signed at the table.

What does the borrower do at home?

Signs the advance set on a secure screen, each document shown in full, with the E-SIGN consent already on record, before the closing date.

How are the returned documents checked?

Page by page, for every signature, initial and notarization block, with defects listed by page and re-executed before funding.

Related processes

E-sign and eDisclosure consent Closing package and settlement agent instructions Post-close documents Try it in the sandbox All home lending processes

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