| the government wishes to encourage. The investors, meanwhile, gain low-risk income at a higher interest rate (essentially the mortgage rate, minus the cuts of the bank and GSE) than current certificate of deposit interest rate could gain from most other bonds. eMortgages are electronic mortgages made legally enforceable by current certificate of deposit interest rate Signatures in Global and National Commerce Act and the Uniform Electronic Transactions Act. Standardization of eMortgages is being facilitated by the Mortgage Industry Standards Maintenance Organization eMortgage Workgroup, which builds on the existing MISMO current certificate of deposit interest rate standards, adding data elements and electronic signature capabilities to create an infrastructure for fully electronic, or paperless, mortgages. The eMortgage infrastructure is built around the concept of a SMART Document and the SMART DOC |
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