Connect with us

Hi, what are you looking for?

The American GeniusThe American Genius

Housing News

FHA to expand acceptance of electronic signatures

FHA Commissioner Dave Stevens recently announced that the Federal Housing Administration (FHA) intends to expand its acceptance of  electronic signatures on certain documents.

In April, FHA began accepting electronic signatures on third party documents like sales contracts.  With this announcement, FHA will begin to accept e-signatures on lender originated documents (e.g. the Uniform Residential Loan Application) and loan disclosures that are signed by borrowers.  FHA also stated that they may, in the future, begin to accept electronic signatures on lender originated documents to be signed by lenders’ representatives (underwriter certifications.)

A memo detailing the announcement and FAQs can be found here.

What do you think?  Does this help modernize the real estate transaction process?  What hurdles still remain?

Advertisement. Scroll to continue reading.
Written By

Melanie is the Senior Technology Policy Representative at the National Association of Realtors. That means she lobbies Congress and Federal Agencies on technology policy issues of importance to the real estate industry. In her pre-NAR life Melanie has been a practicing attorney and a software start-up executive. Like any native Californian, Melanie loves good wine and bountiful farmers markets.



  1. Jim Duncan

    June 7, 2010 at 7:59 pm

    Now, if we can just get the processors, the underwriters, the lenders … to accept them. They are the hold up. I’ve sent the FHA memorandum to lenders who send them to the underwriters who return the answer, “No.”

    Progress is a difficult thing.

  2. Melanie Wyne

    June 8, 2010 at 11:05 am


    “Progress is a difficult thing.” Amen.

  3. Joe

    June 8, 2010 at 9:32 pm

    One step closer to paperless, eh! That’s what we like about DocuSign. We are eliminating paper, now if we can make money without having to deal with clients… [grins]

  4. An Bui, DocuSign Social Media

    June 8, 2010 at 11:49 pm

    Melanie, Thanks for helping spread the word about FHA’s policy on eSignatures.

    Jim, we’re working with the lenders & other third parties about eSignature acceptance. Please let us know if you want us to talk with your lenders.


  5. Nick Sweeney, DotLoop Social Media

    June 9, 2010 at 8:25 am

    This, of course, is great news.

    I find it odd, however, that the FHA is a full decade behind the times. The ESIGN and UETA Acts of 2000 made electronic signatures as legally valid as “wet” signatures – this is how you are able to buy items off of eBay or Amazon without having to put a Bic pen to your screen.

    By the way, any lender not “accepting” electronic signatures is in violation of the law.

    Thanks for reminding us of the new FHA acceptance.

  6. Doug Francis

    June 9, 2010 at 3:20 pm

    Hey, isn’t that a DocuSign ad on the right sidebar?

    Kidding aside, I am glad that the FHA is issuing guidance since this is a good service.

  7. Fred Romano

    June 11, 2010 at 1:12 pm

    DocuSign is amazing! I could not run my business as smoothly without it 🙂

Leave a Reply

Your email address will not be published. Required fields are marked *


American Genius
news neatly in your inbox

Subscribe to our mailing list for news sent straight to your email inbox.




The American Genius is a strong news voice in the entrepreneur and tech world, offering meaningful, concise insight into emerging technologies, the digital economy, best practices, and a shifting business culture. We refuse to publish fluff, and our readers rely on us for inspiring action. Copyright © 2005-2022, The American Genius, LLC.