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of the bank and GSE) than they could gain from most other bonds. eMortgages are electronic mortgages made legally enforceable by Electronic Signatures in Global and National fha loan bad credit 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 data 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 Implementation Guide. Securitization fha loan bad credit a momentous