E-Sign V2: Build, Send, and Track a Signature Request

E-Sign V2 sits alongside the e-sign tools you already have rather than replacing them. The older e-sign flow, the webform e-sign and emailed e-sign docs continue to work as before, and different people on your team can use different ones. What V2 adds is the ability to set up a signable document yourself, without having it built for you first.

In this article

Who can send envelopes

E-Sign V2 is already switched on for your account. What you control is who can send, and the defaults are cautious so nobody gets access by surprise. The switch is Enable E-Sign V2, in the Documents and Notifications section of each user's profile.

User type	Default
Back office (employees, managers, the Super role)	On
Branch users	Off, opt in
Loan officers	Off, opt in
Brokers	Off, opt in
Borrowers	Never. They only sign

The switch controls the Open E-Sign Workspace button. Someone who cannot send can still view signed documents, subject to their normal document permissions. If the button is missing for everyone, including a user whose profile has the switch ticked, contact LendingWise Support, since that is not something you can change from your own settings.

Building and sending an envelope

Before you start, check that everyone who needs to sign has a name and a valid email address on their record. Signers are pulled straight from the loan file, and a blank name will appear blank on the envelope and on the certificate.

1. Open the workspace

On the loan file's Docs tab, click Open E-Sign Workspace. The button appears in two section headers, Uploaded Files, Documents and Auto-Generated Documents. Either one works, because both open the same picker. If the Docs tab is a long scroll, Open/Close All Sections at the end of the loan file's tab strip collapses everything so both are visible at once.

2. Pick your documents

The picker lists every document on the loan, grouped by source, with each source a filter you can switch off: Uploaded, Doc Wizard and Doc Library. Tick as many as you want, from any combination of sources, and search by name if the list is long.

A pen icon next to a document means e-sign fields are already placed on it, usually because it came from a Doc Wizard template. Anything else starts blank and you place the fields yourself.

What can and cannot be signed

PDFs, Word documents and images are all fine, and non-PDF formats are converted for you. Spreadsheets cannot be signed, and neither can files saved without an extension. The picker greys those out and tells you why, for example "XLSX files cannot be e-signed. Export to PDF first."

3. Order the documents

With two or more documents you get a reorder screen. Drag the rows into the order you want, then Continue. A single document skips this step.

Continue creates a draft

The envelope exists as a Draft with its own number as soon as you continue, before you save or send anything. If you were only looking, delete it from the E-signed Documents table so it does not clutter the file.

4. Place the fields

The packet renders on the left, with signers and field types on the right. Click a signer's row first, then drag a field onto the page: it belongs to whoever was selected and takes their colour. Drag a corner to resize, or the field itself to move it. Signature, Initials and Date are always required; Text and Checkbox can be set to optional.

Signers are filled in from the loan file: Borrower and Co-Borrower, any guarantors and entity members, and the Broker, Loan Officer and Branch assigned to the file. Use Add signer for anyone else, such as a CPA or a witness, and the × to remove someone.

The list reflects the file, not the loan type

You only get a signer for a role the file has filled in. A file with a co-borrower and a loan officer produces five signers; a file with neither produces three. Nothing depends on the loan program or transaction type, so if a signer is missing, check the file's parties and assignments.

Order starts at Any on every signer, meaning they can all sign in parallel. Change it to enforce a sequence.

5. Set the email, expiry and reminders

At the bottom of the workspace, edit the subject (it starts as "Please sign: Envelope #" and the number) and add an optional message. Set Expires in, which defaults to 7 days. Switch on automatic reminders and choose how many to send and how many days apart; anyone who has already signed is skipped.

Reminders are off by default

Envelopes expire after 7 days, but reminders start switched off, so an envelope can quietly reach its expiry without the signer ever being chased. Turn them on for anything time sensitive.

6. Send

Click Send for signing. You need at least one signer, at least one placed field, and a valid email address for every signer who has a field; the system checks all three and tells you if something is missing. Save draft at any point keeps the envelope as a draft to finish later.

What signers see

Signers get an email with a button that opens a mobile-friendly signing page. No LendingWise account is needed. They see the whole packet, their own fields highlighted and everyone else's greyed out, and can either Finish Signing or Decline. Signature and initials fields can be drawn or typed in a script font, and anything can be redone up until they finish.

To check your field placement first, click Save draft and then Preview from the envelope details window. Preview opens under your own login, sends no email and records nothing against the signers.

Access to the signing page

E-Sign V2 does not ask the signer for a password or a code. The link in their email is what grants access.

If you used the older e-sign flow, this has changed

That flow asked signers for a password, the last four digits of their SSN or 0000 when no SSN was on file. E-Sign V2 does not. Stop putting password instructions in your covering emails and stop telling borrowers to expect a prompt.

Because access depends only on the link, anyone holding it can sign in that person's name, so a forwarded email is effectively a forwarded signature. Resending does not help, since it carries the same link rather than issuing a new one. If a link reaches the wrong person, void the envelope. That is the only action that kills a link.

Tracking and managing envelopes

Every envelope appears in the E-signed Documents card on the Docs tab, under E-Sign V2, All Envelopes, with its subject, status, sent and signed dates, and how many signers have finished out of the total.

Status	Meaning
Draft	Saved but not sent. Resume to keep editing
Sent	Out with all signers, nobody has signed yet
Partially Signed	At least one signer has finished
Completed	Everyone has signed. The signed document is filed in Uploaded Files
Voided	Cancelled by you or by a signer who declined. Every link is dead
Expired	The expiry date passed. Pending links no longer work

Show voided & expired and Show archived are both off by default, so check them if an envelope seems to have vanished. Your choices are remembered in your browser.

Acting on an envelope

Click a row to open Envelope Details, which shows the reference ID, the signer list and the audit log without changing anything. On a signer who has not finished you can resend the invitation, which sends the same link again, or change their email, which does not resend on its own.

Action	Available when	What it does
Resume	Draft	Reopens the workspace
Delete draft	Draft	Removes it. Field placements and signer setup are lost, and it cannot be undone
Void	Sent, Partially Signed	Cancels the envelope, kills every link, notifies the signers and you. Cannot be undone
Archive	Completed, Voided, Expired	Hides the row to reduce clutter. Reversible, and the signed document stays in Uploaded Files
View signed document	Completed	Opens the flattened signed PDF
Download Audit Certificate	Any	Generates the Certificate of Completion

Archiving does not delete anything

It only hides the envelope row. The signed document stays in the Uploaded Files section until somebody deletes it from there.

Pre-placing fields in Doc Wizard templates

You can put e-sign fields into a Doc Wizard template so they arrive already positioned. Insert the tags from the E-Sign Fields section of the merge-tag picker, save, and a pen badge marks the template as e-sign enabled. Then open the workspace from Auto-Generated Documents, pick the template, and LendingWise generates a copy for that loan with the fields placed and the tag text removed.

There are 30 tags: three field types across ten signer roles.

##ESign <Role> Signature##
##ESign <Role> Initials##
##ESign <Role> Date##

Roles are Borrower, CoBorrower, Guarantor1 to Guarantor3, and EntityMember1 to EntityMember5. Text and Checkbox have no tags, so add those in the workspace after the document is generated. Field positions are worked out when the document is generated for a specific loan rather than when you save the template, so they stay accurate even if content above them changes length.

When a role is not on the loan

If a template contains ##ESign Guarantor3 Signature## but the loan has only one guarantor, that field is created with nobody assigned. The workspace asks you to assign someone or remove it before you can send.

Audit trail and Certificate of Completion

Every action on an envelope is written to a log that can only be added to: created, sent, voided, expired and completed, each field filled in, each signer's IP address and browser and completion time, and any resends, email changes or archiving. The full log is on screen in Envelope Details.

Download Audit Certificate (PDF) produces a branded Certificate of Completion carrying that log, a table of signers with their roles and signing times, the document subject and page count, your company name, and the envelope, loan file and borrower details. It saves as esign-certificate-ENV-XXXX-XXXX-XXXX-XXXX.pdf.

You can generate one at any stage. On an unfinished envelope it is stamped DRAFT with every signer showing as pending, so only a certificate from a Completed envelope evidences a finished signature.

The reference ID is shareable. The certificate is not

The reference ID on its own is opaque, so it is safe to quote in a support ticket. The certificate prints your company name, the loan file number, the borrower's name and every signer's email address, so treat the PDF like any other document in the loan file.

Frequently asked questions

Does E-Sign V2 replace the old e-sign system?

No. Both are available and both keep working, so you can use whichever suits the document.

Is the signing link password protected?

No. There is no password, PIN or code. Possession of the emailed link is what grants access. If you used the older flow, the last-four-of-SSN prompt no longer exists.

A signing link went to the wrong person. What do I do?

Void the envelope, then create a new one. Voiding is the only action that kills a live link. Changing the signer's email or resending does not, because the resend reuses the same link.

Can I control the order people sign in?

Yes. Each signer has an Order setting, which starts at Any so everyone can sign in parallel. Change it to set a sequence.

What happens if a signer declines?

The envelope is voided immediately and every other link stops working. You are notified by email and the decline is recorded in the audit log.

Can I edit an envelope after sending it?

No. Void it and create a new one.

Can the signed document be edited afterwards?

No. It is flattened, so signatures, dates, text and ticks are baked into the page and no fillable fields remain.

Can signers sign on a phone?

Yes. The signing page is built for mobile, including the signature pad.

If something goes wrong, contact LendingWise Support with the envelope's Reference ID from the details window, what you were trying to do, and whether it affects the sender or the signer.

If you still need guidance, please email our support team at helpdesk@lendingwise.com

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