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As part of your mortgage application, you may receive an email from Rise TPO with a link to review and sign your initial loan disclosures electronically.
These disclosures contain important information about your loan application, estimated loan terms, and required regulatory documents. Reviewing and signing them promptly helps keep your mortgage process moving forward.
This guide will walk you through each step of the process.
Step-by-Step: How to Sign Disclosures with RISE TPO
1. Open the Disclosure Email
You will receive an email titled similar to:
“Initial Disclosures for [Your Name]”
The email contains a secure link that allows you to access your disclosure package.
If clicking the link does not work, copy and paste the entire URL into your web browser.
2. Review the Electronic Signature Consent
After opening the link, you will first be presented with the Electronic Signature Disclosure and Consent Agreement.
This document explains:
- How electronic signatures work
- Your rights regarding electronic records
- How disclosures will be delivered
- The system requirements needed to complete the process
Take a few minutes to review this information carefully.
3. Accept the Electronic Signature Agreement
If you agree to receive and sign documents electronically, select:
“Agree and Continue”
This will allow you to access your disclosure package and proceed with electronic signing.
If you do not consent to electronic signatures, contact your loan advisor to discuss alternative options.
4. Review Your Disclosure Package
Once you’ve accepted the electronic signature agreement, your disclosure package will open.
Take time to carefully review each document. These disclosures may include information about:
- Your loan estimate
- Interest rate and payment information
- Federal and state mortgage disclosures
- Privacy notices
- Other required lending documents
Reviewing these documents thoroughly is important, as they provide details about your mortgage application and the loan process.
5. Complete Any Required Electronic Signatures
As you move through the disclosure package, you will be prompted to electronically sign documents where required.
Follow the on-screen instructions and complete all required signatures and acknowledgments.
The system will guide you through each signature location until all required actions have been completed.
6. Save a Copy for Your Records
After signing, it is recommended that you save a copy of your completed disclosure package for your personal records.
The system typically provides a Print/Save Package option that allows you to download a PDF copy of the signed documents to your computer or device.
Keeping a copy can be helpful for future reference throughout the mortgage process.
7. Return Any Documents Requiring Physical Signatures
Most disclosures can be completed electronically. However, in some situations, certain documents may still require a handwritten signature.
If any documents require a physical signature:
- Print the document.
- Sign where indicated.
- Return the signed document to your loan team according to the instructions provided.
Your loan advisor can help if you are unsure whether additional action is needed.
Tips for a Smooth Signing
- Use a computer, tablet, or smartphone with a reliable internet connection when completing your disclosures.
- Review all documents carefully before signing and make sure the information appears accurate. If something looks incorrect, contact your UnrealFi loan advisor before completing the package.
- Save a copy of your signed disclosures for your records, and complete the process as soon as possible to avoid delays in your loan application.
Final Thoughts
Signing your disclosures through Rise TPO is a secure and straightforward process that can typically be completed in just a few minutes.
Promptly reviewing and signing your disclosures allows your loan team to continue processing your mortgage application and helps keep your closing timeline on track.
If you have any questions while reviewing your disclosures or encounter any issues accessing the documents, your UnrealFi loan advisor is available to help guide you through the process.
