Electronic mortgage document certification

A computer program product for certifying an electronic mortgage document, the computer program product stored on a computer readable medium and adapted to perform operations comprising:

• receiving a request for certification of an electronic mortgage document representative of but separate from an executed paper mortgage document, the executed paper mortgage document having been ink pen executed pursuant to a mortgage loan closing;
• receiving the electronic mortgage document, the electronic mortgage document including an electronic version of a set of data corresponding to a set of data in the executed paper mortgage document;
• receiving a confirmation that the executed paper mortgage document has been compared to the electronic mortgage document and the that electronic version of the set of data matches the corresponding set of data found in the executed paper mortgage document;
• and
• associating an indicia of certification to the electronic mortgage document in response to receiving the confirmation, the indicia of certification representing that the electronic mortgage document has been compared to the executed paper mortgage document and that a party can reliably transact on the electronic mortgage document without requiring further inspection of the executed paper mortgage document.

An apparatus for certifying an electronic mortgage document, the apparatus comprising:

• means for receiving a request for certification of an electronic mortgage document representative of but separate from an executed paper mortgage document, the executed paper mortgage document having been ink executed pursuant to a mortgage loan closing;
• means for receiving the electronic mortgage document, the electronic mortgage document including an electronic version of a set of data corresponding to a set of data in the executed paper mortgage document;
• means for receiving a confirmation that the executed paper mortgage document has been compared to the electronic mortgage document and that the electronic version of the set of data matches the corresponding set of data found in the executed paper mortgage document;
• and
• means for associating an indicia of certification to the electronic mortgage document in response to receiving the confirmation, the indicia of certification representing that the electronic mortgage document has been compared to the executed paper mortgage document and that a party can reliably transact on the electronic mortgage document without requiring further inspection of the executed paper mortgage document.

An electronic mortgage document certification apparatus, the apparatus comprising:

• a mortgage document receiving module, which receives a request for certification of an electronic mortgage document representative of but separate from an executed paper mortgage document, the executed paper mortgage document having been ink pen executed pursuant to a mortgage loan closing, and receives the electronic mortgage document, the electronic mortgage document including an electronic version of a set of data corresponding to a set of data in the executed paper mortgage document;
• a mortgage document comparison module, in communication with the mortgage document receiving module, which receives a confirmation that the executed paper mortgage document has been compared to the electronic mortgage document and that the electronic version of the set of data matches the corresponding set of data found in the executed paper mortgage document;
• and
• a certification module, in communication with the mortgage document comparison module, which associates an indicia of certification to the electronic mortgage document in response to receiving the confirmation, the indicia of certification representing that the electronic mortgage document has been compared to the executed paper mortgage document and that a party can reliably transact on the electronic mortgage document without requiring further inspection of the executed paper mortgage document.