eDisclosure Agreement

Consent To Do Business Electronically (the eDisclosure Agreement)

The mortgage loan that you have applied for involves various disclosures, records, and documents (“Loan Documents”), including this eDisclosure Agreement. The purpose of this eDisclosure Agreement is to make you aware that the Federal E-SIGN ACT allows us to provide these documents to you via electronic means verse paper form once we obtain your consent. You will also be able to sign and authorize these Loan Documents electronically, rather than on paper.

Before we engage in this transaction electronically, it is important that you understand your rights and responsibilities. Please read the following and affirm your consent to conduct business with us electronically.

In this consent, “we” “us” and “our” are used to refer to Mid America Mortgage, Inc., and to any assignee to whom we may propose to sell the loan or service the loan. For purposes of this eDisclosure Agreement, “eDisclosures” means the Loan Documents related to this transaction that are provided electronically, and “You” and “Your” mean the borrower(s) under the applicable loan to which such Loan Documents apply.

YOUR CONSENT

  • Your consent to participate in this transaction electronically will apply to all Loan Documents for the applicable loans for which you are applying. We will conduct this transaction electronically, instead of providing you with the Loan Documents in paper form.
  • If a document related to your loan is not available in electronic form, a paper copy will be provided to you free of charge.
  • Conducting this transaction electronically is an option. If you choose not to accept receipt of eDisclosures, paper Loan Documents will be mailed to you.
  • If you do not consent to receive these Loan Documents electronically, you will be provided with copies of the Loan Documents in paper form. You will not be required to pay a fee for receiving paper copies of the Loan Documents.

WITHDRAWAL OF CONSENT

  • You have the right to withdraw your consent at any time. By declining or revoking your consent to receive eDisclosures, we will provide you with the Loan Documents in paper form.
  • If You originally consent to receive eDisclosures, but later decide to withdraw your consent, notify your Residential Mortgage Loan Originator or our main office at
    Phone: (866) 575-9993
    Address: 27413 Tourney Rd, Suite 150, Valencia, CA 91355
  • If you originally consent to receive eDisclosures, but later withdraw your consent you will not be required to pay a fee for withdrawing consent and receiving paper copies of the Loan Documents. OBTAINING PAPER COPIES
  • After your consent is given, you may request from us paper copies of Your Loan Documents. Please notify your Residential Mortgage Loan Originator or our main office at
    Phone: (866) 575-9993
    Address: 27413 Tourney Rd, Suite 150, Valencia, CA 91355
  • If you request paper copies of the Loan Documents you will not be required to pay a fee for receiving paper copies of the Loan Documents.

SYSTEM REQUIREMENTS

  • In order to receive eDisclosures, you must have a computer with Internet access and an Internet email account and address; an Internet browser using 128-bit encryption or higher, Adobe Acrobat 7.0 or higher, SSL encryption and access to a printer or the ability to download information in order to keep copies of your eDisclosures for your records.
  • If the software or hardware requirements change in the future, and you are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to you once you notify us that you are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify you before such requirements change. If you choose to withdraw your consent upon notification of the change, you will be able to do so without penalty.

HOW WE CAN REACH YOU

  • You must promptly notify us if there is a change in your email address or in other information needed to contact you electronically. You can contact Us at:
    Phone: (866) 575-9993
    Address: 27413 Tourney Rd, Suite 150, Valencia, CA 91355
  • We will not assume liability for non-receipt of notification of the availability of eDisclosures in the event your email address on file is invalid; your email or Internet service provider filters the notification as “spam” or “junk mail”; there is a malfunction in your computer, browser, Internet service and/or software; or for other reasons beyond our control.

Please indicate your consent to receive electronic documents by checking the “I Accept” box below. You are also confirming that you have the necessary computer software and hardware to accept the electronic forms and that we have your valid, active e-mail address.

Please note that if you choose “I Decline” to accept documents electronically, this does preclude us for sending any Loan Documentation via e-mail as well as secure document transfer. If at a later date, you request that we e-mail any Loan Document, we will need this eDisclosure Agreement executed to acknowledge your acceptance.