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Viewing Closing Documents in Floify

Viewing Closing Documents in FloifyAs documents are processed into Floify, they will appear under the Disclosures tab.The disclosure type ...

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Written by Foster Siebken

Viewing Closing Documents in Floify

As documents are processed into Floify, they will appear under the Disclosures tab.

The disclosure type will display as Closing Documents.

Possible Statuses

Waiting for Signing Period to Open

This status appears when the package has been sent before the scheduled signing date.

Example: The package is sent on Monday, but signing is scheduled for Friday.

Signing Period Open

This status indicates the borrower can begin signing documents immediately.

Understanding eSign vs Wet Sign Documents

Within the loan flow, users will see separate document groups for:

  • eSign documents

  • Wet sign documents

Wet sign documents are determined by metadata configured in Encompass. However, these document classifications can also be overridden within Floify if needed.

Documents associated with an eSign template will appear in the eSign package.

Borrower Experience

Borrowers receive an email similar to the standard disclosure notification email, but with messaging indicating that urgent closing documents are available for signature.

Borrowers can:

  • Use the email link to access documents

  • Log in to the borrower portal and access documents directly

  • Use the pen and paper option within the portal to begin signing

Borrowers simply progress through the signing workflow and complete all required electronic signatures.

Settlement Agent Experience

The settlement agent listed in Encompass receives an email notification when closing documents become available.

If this is the settlement agent’s first time accessing Floify:

  • They will be prompted to create an account

  • Their email address is automatically populated from Encompass

  • They only need to create a password and complete setup

Settlement Agent Portal Sections

Within the settlement agent portal, loans are organized into three sections:

  • Waiting for Signing Period — Signing is not yet available

  • Signing Period Open — Documents are ready for signing

  • Signing Period Closed — The signing period has ended or the loan has closed

Settlement agents will typically access documents from the Signing Period Open section.

Available Document Packages for Settlement Agents

Settlement agents can access two versions of the closing package:

Closing Documents

This package contains all closing documents, including:

  • eSign documents

  • Wet sign documents

  • Informational documents

Wet Sign Closing Documents

This package contains only documents requiring:

  • Ink signatures

  • Notarization

Uploading Signed Wet Sign Documents

  1. Download the wet sign package using the Download button.

  2. Complete all required signatures and notarization.

  3. Use the Upload button to upload the signed documents back into Floify.

Once uploaded:

  • The signed wet sign documents are removed from the borrower’s active signing view

  • The signed copies move into the Docs Accepted section

FAQ

How are wet sign documents determined?

Wet sign documents are initially determined by metadata configured in Encompass, but can also be overridden within Floify.

Can borrowers access documents from the portal instead of email?

Yes. Borrowers can access and sign documents directly from the Floify borrower portal.

What happens after the settlement agent uploads signed documents?

The uploaded wet-signed copies move into the Docs Accepted section and are removed from the borrower’s active signing tasks.

How long does the document delivery process take?

Most packages are fully processed and sent within approximately 9–10 minutes after submission.

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