New in-person electronic notarization (IPEN) option strengthens the company’s eNotary offering, while supporting diverse borrower and settlement agent preferences
DocMagic has announced the availability of its in-person electronic notarization (IPEN) capability, enhancing the company’s Total eClose platform to support more closing scenarios and borrower preferences nationwide.
IPEN offers lenders, settlement agents, notaries, and borrowers an additional digital option for situations where remote online notarization (RON) is not jurisdictionally permitted or simply not the preferred experience. RON is not authorized for real estate transactions in every state. IPEN is currently permitted in 46 states and the District of Columbia, making it an accessible alternative that preserves the benefits of electronic execution even in jurisdictions that do not permit remote notarization.
Michael Morford, chief technology officer, DocMagic
“Not every transaction can be remote, but every transaction can be digital,” said Michael Morford, chief technology officer at DocMagic. “By adding IPEN, we’re enabling lenders, settlement agents, and notaries to provide the kind of in-person experience many consumers still prefer while maintaining all the efficiency, accuracy, and immediacy of an electronic closing.”
Where permitted by state law, settlement agents and notaries can switch between RON and IPEN within the same transaction, supporting co-borrowers in different locations or accommodating last-minute changes in borrower availability. The immediate availability of these documents decreases post-closing timelines, accelerates funding, and reduces some costs associated with paper handling.
IPEN also supports a range of borrower preferences, as some clients request hands-on guidance, while others value the relationship and experience of an in-person signing. IPEN preserves the face-to-face experience, while delivering the efficiency and accuracy of a 100% digital closing.
Get the NMP Daily
Essential stories, every weekday.
“IPEN rounds out the Total eClose platform so every closing — hybrid, remote, or in-person — can be managed through one trusted digital ecosystem,” said Pat Theodora, DocMagic’s co-founder and CEO. “This enhancement reflects our commitment to supporting all participants in the closing process and helping our clients deliver a consistent digital experience, regardless of the borrower’s location or preference.”
Applications fell 5.7% annually in July, while government-backed mortgages accounted for half of builder-affiliated loan volume
Mortgage applications for newly built homes lost ground in July, another indication that builder incentives are struggling to overcome buyers’ sensitivity to elevated mortgage rates.Applications for new-home purchases declined 5.7% from July 2025 and 1% from June, according ...
First RMBS issuance creates a revolving outlet for bridge, renovation, and construction loans sourced through Castlelake-backed Resfin
Castlelake has priced its first residential mortgage-backed securities issuance, a $261.3 million transaction backed by residential transition loans, or RTLs. The deal comes four months after the alternative investment manager acquired majority ownership of Resfin Partners, ...
The lender is adding customer-facing agents across originations and its $73 billion servicing portfolio, but has not disclosed which transactions will be automated or when deployment begins
platforms consolidate and vendors gain leverage, the lenders who stay disciplined about data, adoption, and exit terms will be the ones who keep control of their own tech stack
The verification gives lenders another option for inspection-based appraisal alternatives, but it covers only one piece of a much broader collateral-readiness challenge
The acquisition adds consumer-permissioned payroll and banking data to Checkr’s mortgage platform while lenders confront increasingly convincing fabricated financial records
