What is the purpose of a scan-back after a signing?

A scan-back is a quality control step that exists because of timing. Once a package is shipped it may take a day or more to reach the lender, and if a signature was missed, a date written wrongly, or a notarial certificate left incomplete, the discovery happens too late to fix without a second appointment and a delayed funding. Scanning the executed documents and transmitting them immediately lets the lender or title company review the package while the agent and the borrower are still available — often before the agent has left the driveway — so a missed initial can be captured on the spot. The scan does not replace the originals, which are still shipped, and it is not the borrower's copy, which comes from the package itself. Nor is it the notary's record, which is the journal. Because the scan carries the borrower's full financial information, it must be transmitted through the channel the contracting company specifies and deleted afterward.

The scan lets the lender or title company review the executed package immediately, while the agent and borrower are still available to correct any error, rather than after shipping.

A scan-back transmits images of executed loan documents to the lender or title company for review before the originals ship, allowing errors to be corrected while the parties are still available. Scans contain confidential information and must be transmitted securely and deleted afterward.

Catch It Before It Ships. A missed initial found tomorrow costs a second appointment.

The scan carries full borrower financial data. Use the specified secure channel and delete it once confirmed.

• •Treating the scan as the borrower's copy
• •Shipping originals before the review comes back
• •Retaining scans after confirmation or sending them by insecure means