What is eRecording? eRecording is short for electronic recording and refers to the process by which real estate documents are transmitted to recording offices nationwide to be registered in public record.

Traditionally, recording documents, such as lien releases, reconveyances, assignments, mortgages, deeds, and others, can take several labor-intensive steps to ensure they are correctly formatted, stamped, signed, notarized, packaged and shipped to the recording office for recording. With more than 3600+ recording districts in the US to manage, this introduces higher probabilities of rejected documents as well as increased the time between preparation and recording and thus lower customer satisfaction while increasing regulatory risks. Below is a graphical representation of this process.

As a result of recent technology improvements and integration at both the government level and servicer level, ability to electronically submit and record has taken on greater momentum and we see greater adoption on both ends of the workflow. Today, many lenders and servicers have taken necessary steps in order to implement electronic recording in their business models, while local recording offices upgrade their infrastructure to meet the demand for greater automation. The end goal in view is for the lender or servicer to be able to receive notification to generate a document, verify all necessary information is available and transmit this document electronically to the recording office directly. Thus, recording turnaround is reduced from months to minutes, as represented below.

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