Sample Customers

GMAC Mortgage CorporationGMAC Mortgage Corporation
GMAC Mortgage is an indirect wholly owned subsidiary of General Motors Acceptance Corporation (GMAC), one of the largest financial services companies in the world. Headquartered in Horsham, Pa., GMAC Mortgage is one of the largest residential mortgage servicers in the nation. The company originates first and second lien residential mortgage loans through a nationwide network of retail offices, direct lending centers and internet sites under the brands gmacmortgage.com and ditech.com, and GM Family First, a custom homeownership services program offered to GM employees, retirees and dealers.

GMAC Bank has taken a huge step in furthering eMortgage adoption. The bank is now accepting electronic mortgages and as adopted Encomia eVault technology to electronically audit and store eMortgages. Read about it in the National Mortgage News article, “GMAC Accepting eMortgages”.



ABN - Amro
Bank of America
Bank of America is one of the world's largest financial institutions, serving individual consumers, small and middle market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk-management products and services. The company provides unmatched convenience in the United States, serving more than 59 million consumer and small business relationships with more than 6,100 retail banking offices, more than 18,000 ATMs and award-winning online banking with more than 25 million active users. Bank of America offers industry leading support to more than 4 million small business owners through a suite of innovative, easy-to-use online products and services. The company serves clients in more than 150 countries and has relationships with 99 percent of the U.S. Fortune 500 companies and 83 percent of the Fortune Global 500.  As of Oct. 1, 2007 LaSalle Bank Corporation has joined the Bank of America family of companies.  

From LaSalle Bank, Bank of America acquired an electronic vault for mortgage documents using Encomia technology. Harry Cichetti, senior vice president of collateral services, says the vault should let Wall Street clients sell mortgage backed securities “24 hours” after they have assembled the loans. Read about it in the American Banker article, "LaSalle to Offer Electronic Vault for Loan Documents".

D.R. Horton

D.R. Horton
The Companies that comprise the D.R. Horton family of Builders are dedicated to building quality crafted, distinctive homes across the United States. This family of Builders has developed a reputation for high quality homes with features and amenities other Builders often consider options or upgrades. The flexible home designs, attention to detail and affordable pricing are what make D.R. Horton a National Leader in the residential home building industry.

D.R. Horton’s financial services arm adds mortgage financing to the experience of buying a D.R. Horton home.  D.R. Horton uses Encomia eSign technology in the processing of certain home purchase documents to save time and money.


Fremont Bank
Wachovia Bank
Wachovia Corporation (NYSE:WB) is one of the nation's largest diversified financial services companies, with assets of $808.9 billion and market capitalization of $53.8 billion at March 31, 2008. Wachovia provides a broad range of retail banking and brokerage, asset and wealth management, and corporate and investment banking products and services to customers through 3,300 retail financial centers in 21 states from Connecticut to Florida and west to Texas and California, and nationwide retail brokerage, mortgage lending and auto finance businesses.

Wachovia has rolled out Encomia’s eSignature technology to speed up the residential mortgage loan application process by enabling borrowers to review and sign their upfront disclosures online.  Utilizing electronic disclosures their retail lending operation will save Wachovia and provide a convenient, time-saving alternative for retail lending customers.


Fremont Bank

Fremont Bank
Founded in 1964, Fremont Bank remains true to the cornerstone value that continues to fuel its success today: fast, friendly, honest service. Customers can still count on receiving this exceptional service – a rarity in a marketplace characterized by impersonal big bank mergers. As the leading financial service provider in our community, we are committed to helping our clients achieve their financial goals.

Fremont Bank chose Encomia’s eMortgage Solution for the pilot of fully electronic mortgage origination for their retail banking operations.


First Houston Mortgage
Envoy Mortgage
Envoy Mortgage is a mortgage bank - more than just a broker. All of our processing, underwriting, closing, shipping, and funding takes place in-house for careful, expedient service to our customers. We are an FHA-Direct Endorsed Lender and we offer a wide range of lending programs to potential homebuyers. We can make the dream of owning a home a reality for borrowers who don't necessarily fit into a conventional loan. Homebuyers and borrowers are not just another potential transaction to us. We see them instead as customers we aim to satisfy so well that they go forward after closing to tell their friends and family members about how much they enjoyed working with us. Envoy Mortgage was formerly known as First Houston Mortgage.

In Summer 2006, First Houston Mortgage implemented Encomia’s eMortgage Solution to fund fully electronic mortgages, allowing the transfer and sale of virtual loan files. First Houston selected Encomia for the staff’s in-depth knowledge of the mortgage industry and the company’s concrete ability to provide its advertised technologies. Read more about it in this press release "First Houston Mortgage Originates Fully Electronic Loans with Encomia".



1st Advantage Mortgage, LLC

1st Advantage Mortgage, LLC
At 1st Advantage Mortgage, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism, and consideration we give to each of our clients make getting your loan a successful endeavor.

First Advantage Mortgage, LLC has worked with Encomia and its software and lending partners to pilot electronic mortgage origination through their mortgage banking operations.


1st Advantage Mortgage, LLC
NSC
Nations Signature Closers, Inc. (NSC) is part of a large family of real estate information companies. Since the 1970’s, we have provided property information services to national and regional mortgage and title insurance companies. We use innovative technology, along with our experience, to provide the best possible service.   For borrowers, it is difficult to find the time to arrange for a loan document signing. Our notaries meet with your borrowers at a convenient time and place in the borrower's home, place of employment or at an agreed upon location in all fifty (50) states. At the closing, the assigned signature closer will go over the documents, have the documents executed and address funding conditions. The executed documents are then returned to your office or other location instructed by you.

• In addition to traditional document delivery methods such as email, fax, or mail, NSC is using Encomia’s eDisclosures to provide its lender customers and their borrowers with the capability to electronically sign disclosure documents online. This enables disclosures to be signed and received more quickly without having to physically ship files, and makes conducting business considerably easier and more efficient for lenders who subscribe to Nations Signature Closers’ services. Read more about it in this press release "Nations Signature Closers Utilizes Encomia eDisclosures".