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E-Sign V2: Send, Sign, and Manage Documents Inside LendingWise
# E-Sign V2: Send, Sign, and Manage Documents Inside LendingWise
> **Audience:** Lender admins, processors, brokers, loan officers, and branch users on the LendingWise platform.
> **Article type:** Getting Started + How-To (HubSpot KB)
> **Last updated:** 2026-05-06
---
## What is E-Sign V2?
E-Sign V2 is LendingWise's new built-in electronic signature system. It replaces the legacy per-document e-sign setup that required a developer ticket every time you wanted to add a signable form. With E-Sign V2 you can:
- Pick **any** documents from a loan file's Docs tab — uploaded files, required-doc submissions, or Doc Wizard PDFs — and merge them into a single signing packet
- Drag your signature, initials, date, text, and checkbox fields anywhere on the page using a familiar drag-and-drop workspace
- Assign each field to a borrower, co-borrower, guarantor, entity member, or any custom signer you add
- Send the envelope — signers receive an email with a no-login signing link that works on desktop and mobile
- Track who has signed, who hasn't, and the full audit trail in one place
- Download a branded **Certificate of Completion** for your compliance records
No more developer tickets. No more rebuilding templates from scratch every time a form changes.
---
## In this article
1. [Turning E-Sign V2 on for your account and your users](#turning-e-sign-v2-on-for-your-account-and-your-users)
2. [Sending your first envelope](#sending-your-first-envelope)
3. [What signers see (and how to preview it)](#what-signers-see-and-how-to-preview-it)
4. [Tracking envelope status](#tracking-envelope-status)
5. [Managing envelopes after they're sent](#managing-envelopes-after-theyre-sent)
6. [Using e-sign tags inside Doc Wizard templates](#using-e-sign-tags-inside-doc-wizard-templates)
7. [Reminders and expiration](#reminders-and-expiration)
8. [Audit trail and Certificate of Completion](#audit-trail-and-certificate-of-completion)
9. [Frequently asked questions](#frequently-asked-questions)
---
## Turning E-Sign V2 on for your account and your users
E-Sign V2 is rolled out behind two layers of toggles so you can pilot it before flipping it on for everyone:
### 1. Tenant-level toggle (Super Admin)
By default, **E-Sign V2 is enabled for every LendingWise tenant**. If for any reason you need to disable it across your entire account, a Super Admin can do so:
1. Go to **Super Admin → Processing Company**
2. Find the **Enable E-Sign V2** checkbox (just below "Enable Loan Tracker")
3. Uncheck it and save
> **Heads up:** Turning the tenant toggle off blocks every user in your account from sending new e-sign envelopes — regardless of their individual permissions. Existing signed PDFs remain visible in the Uploaded Files section.
### 2. Per-user toggle (User profile)
Once the tenant toggle is on, you control which users can **send** envelopes. The default is intentionally cautious so individual users don't get surprise access:
| User type | Default | Where to flip the toggle |
|---|---|---|
| Back-office (employees, managers, super users) | **ON** | Employee profile → "Documents and Notifications" → **Enable E-Sign V2** |
| Branch users | **OFF** (opt in) | Branch profile → "Documents and Notifications" → **Enable E-Sign V2** |
| Loan Officers | **OFF** (opt in) | Loan Officer profile → "Documents and Notifications" → **Enable E-Sign V2** |
| Brokers | **OFF** (opt in) | Broker profile → "Documents and Notifications" → **Enable E-Sign V2** |
| Borrowers | **N/A** | Borrowers can never send envelopes — they only sign them |
> **Note:** The per-user toggle controls the **Open E-Sign Workspace** button. Even if a user can't send envelopes, they can still **view** signed PDFs in the Uploaded Files section if their normal document-view permissions allow it.
---
## Sending your first envelope
### Step 1 — Open a loan file's Docs tab
Navigate to any loan file and click the **Docs** tab. You'll see three document sections:
- **Uploaded Documents**
- **Auto-Generated Documents** (Doc Wizard outputs)
- **Required Documents** (borrower submissions)
If your account is set up correctly, each section now has an **Open E-Sign Workspace** button.
### Step 2 — Pick the documents you want to send
Click **Open E-Sign Workspace**. A picker modal appears showing every document available in that section. Check the boxes next to the documents you want to merge into the signing packet.
> **Compatibility:** PDFs, DOCX, and image files (PNG, JPG) are all supported. The system converts non-PDF formats automatically. Excel files and unrecognized formats are flagged as incompatible in the picker.
### Step 3 — Reorder, if needed
If you picked **two or more documents**, you'll land on a reorder screen. Drag the rows to put them in the order you want. When you're done, click **Continue**.
If you picked just one document, this step is skipped.
### Step 4 — Place fields in the workspace
The workspace opens with your merged PDF rendered on the left and a side panel on the right showing:
- **Signers** — automatically populated from the loan file (borrower, co-borrower, additional guarantors, entity members)
- **+ Add signer** — add anyone else who needs to sign (CPAs, trustees, witnesses, etc.) by name and email
To place a field:
1. Click the signer's row in the side panel — fields you place will be color-coded for that signer
2. Click a field type from the bottom palette: **Signature**, **Initials**, **Date**, **Text**, **Checkbox**
3. Drag the field onto the PDF and drop it where the signer should fill it in
4. Resize by dragging the corner; reposition by dragging the field
> **Required vs Optional:** Signature, Initials, and Date fields are always required. Text and Checkbox fields can be toggled to **Optional** if you don't need them filled in for the envelope to complete.
### Step 5 — Configure email and reminders
Below the field palette, expand the email options to:
- Customize the email subject and message body shown to signers
- Set an expiration date
- Enable **automatic reminders** — pick how many reminders to send and how many days between each one. Signers who have already finished will not receive reminders.
### Step 6 — Send
Click **Send Envelope**. The system validates that:
- At least one signer has been added
- At least one field has been placed
- Every signer with a field placed has a valid email address
If everything checks out, the envelope is queued for delivery. Each signer receives an email with their personal signing link.
> **Tip:** You can click **Save Draft** at any time during steps 4–5. The envelope is saved with status `Draft` and you can resume it later from the Docs tab.
---
## What signers see (and how to preview it)
### What signers see
Signers receive an email with a button that opens a mobile-friendly signing page. They do **not** need a LendingWise account. The page shows:
- The full signing packet rendered as a scrollable PDF
- Their assigned fields (highlighted)
- Other signers' fields (grayed out, read-only)
- A bottom action bar with **Finish Signing** or **Decline**
For signature and initials fields, a modal opens with two tabs:
- **Draw** — sign with mouse or finger
- **Type** — type your name and pick a script font
Signers can redo a signature, edit text, or untoggle a checkbox at any time before clicking **Finish Signing**.
### Previewing what your signers will see (without sending)
From the workspace or the envelope details modal, you can open a **Preview** of the envelope. This is a read-only mirror of the signing page that uses your existing LendingWise login — perfect for QA-ing field placement before hitting Send. Previewing does not generate any audit-trail entries on the signers' records.
---
## Tracking envelope status
Every envelope you send appears in the **E-signed Documents** card on the Docs tab, in a table titled **E-Sign V2 — All Envelopes**. The columns are:
| Column | What it shows |
|---|---|
| Subject/Description | The email subject you set when sending |
| Status | One of six states (see below) |
| Sent | When the envelope was first sent |
| E-Signed | When the last signer finished |
| Signers | Who is on the envelope and their per-signer status |
| Action | Resume / View Signed PDF / Details / Delete / Archive |
### The six envelope statuses
| Status | Meaning |
|---|---|
| **Draft** | Saved but not sent yet. Resume to keep editing. |
| **Sent** | Sent to all signers. None have signed yet. |
| **Partially Signed** | At least one signer has finished. Others are still pending. |
| **Completed** | All signers finished. The signed PDF is archived in the Uploaded Files section. |
| **Voided** | You (or a signer who declined) cancelled the envelope. All signing links are dead. |
| **Expired** | The expiration date passed before all signers finished. Pending links no longer work. |
### Showing or hiding voided/archived envelopes
Above the table you'll see two toggles:
- **Show voided & expired** — turns visibility on/off for voided and expired envelopes
- **Show archived** — turns visibility on/off for archived envelopes
Your toggle settings are remembered per browser, so you don't have to flip them every visit.
---
## Managing envelopes after they're sent
Click the **Details** icon on any envelope row (or click anywhere on the row outside the action buttons) to open the **Envelope Details** modal. From here you can take any action that's valid for the envelope's current state.
### Per-signer actions (when the envelope is in flight)
- **Resend invitation** — sends a fresh email with the same signing link (no token rotation; previously-forwarded emails keep working)
- **Change email** — fix a typo on a pending signer; does not auto-resend (click Resend after if you want the new address to receive a link)
### Envelope-level actions
| Action | Allowed when status is | What it does | Reversible? |
|---|---|---|---|
| **Resume** | Draft | Reopens the workspace so you can keep editing. | n/a |
| **Delete Draft** | Draft | Permanently removes the draft from your view. Field placements and signer setup are lost. | No |
| **Void Envelope** | Sent, Partially Signed | Cancels the envelope, kills all signing links, notifies signers + the creator. | No |
| **Archive** | Completed, Voided, Expired | Hides the envelope from the default view to declutter. **The signed PDF stays in Uploaded Files.** | Yes — Unarchive any time |
| **Unarchive** | Archived | Restores the envelope to the default view. | Yes |
| **View Signed PDF** | Completed | Opens the flattened signed PDF in a new tab. | n/a |
| **Download Audit Certificate (PDF)** | Any | Generates a branded Certificate of Completion. | n/a |
> **Important:** Archiving an envelope does **not** delete the signed PDF. The flattened signed document remains in the Uploaded Files section of the Docs tab until you delete it from there. The Archive confirmation prompt explicitly reminds you of this.
---
## Using e-sign tags inside Doc Wizard templates
If you use Doc Wizard to maintain reusable document templates, you can pre-place e-sign fields directly inside the Google Doc template. When the template is generated for a loan, the fields land in the e-sign workspace exactly where you put them.
### The 30 available tags
You have **3 field types** × **10 signer roles** = 30 tags to choose from:
**Field types:**
- `##ESign <Role> Signature##`
- `##ESign <Role> Initials##`
- `##ESign <Role> Date##`
**Signer roles:**
- Borrower
- CoBorrower
- Guarantor1, Guarantor2, Guarantor3
- EntityMember1, EntityMember2, EntityMember3, EntityMember4, EntityMember5
**Example:**
```
##ESign Borrower Signature##
##ESign Borrower Date##
##ESign CoBorrower Signature##
##ESign CoBorrower Date##
```
### How it works
1. Open the template in Doc Wizard's editor
2. Use the merge-tag picker, scroll to the **E-Sign Fields** section, and insert the tags exactly where you want each field to render
3. Save the template — a small ✍ **E-Sign** badge appears next to the template in the Doc Wizard list, indicating the template is e-sign enabled
4. From any loan file's Docs tab → **Auto-Generated Documents** section → **Open E-Sign Workspace**
5. Pick the e-sign-enabled template — the system generates a fresh loan-specific PDF, pre-places the fields at the right spots, removes the visible tag text, and drops you straight into the workspace
6. Verify, optionally adjust, and Send
> **Why per-loan capture?** Field positions are calculated **at the moment you generate the document for a specific loan**, not when the template is saved. This way, if your template has dynamic content above the e-sign tags (long borrower names, variable-length descriptions, etc.), the field positions stay accurate no matter how the page reflows.
> **Roles missing on the loan:** If your template includes `##ESign Guarantor3 Signature##` but the loan only has one guarantor, that field is created with no signer assigned. The workspace will prompt you to either assign someone or remove the field before sending.
---
## Reminders and expiration
### Automatic reminders
When sending an envelope, you can enable reminders and choose:
- **How many reminders** to send (e.g. 3)
- **How many days between** each reminder (e.g. every 2 days)
The system runs an hourly sweep that checks every in-flight envelope:
- Signers who have already finished are **skipped**
- Signers at the per-signer cap are **skipped**
- Once the per-envelope reminder cap is hit, no more rounds run
### Automatic expiration
If you set an expiration date, the same hourly sweep flips the envelope to `Expired` once that date passes. All pending signing links stop working, and the envelope creator is notified.
---
## Audit trail and Certificate of Completion
Every action on an envelope is recorded in an append-only audit log:
- Envelope created / sent / voided / expired / completed
- Each field filled in (per signer)
- Each signer's IP address, browser, and timestamp at completion
- Resends, email changes, archive/unarchive
The **Envelope Details modal** shows the full audit log on screen. From the modal footer, click **Download Audit Certificate (PDF)** to get a printable, branded **Certificate of Completion** that includes:
- An opaque public reference ID (e.g. `ENV-A3F1-9C42-7D8E-B521`) — safe to share in support tickets and compliance archives
- Your tenant name and color band header on every page
- Document subject, page count, all key timestamps
- Per-signer table — name, email, role, status, signed-at timestamp
- Full chronological audit trail
- ESIGN/UETA chain-of-custody disclaimer
The reference ID is also visible in the modal as a copy-friendly chip below the status badge.
---
## Frequently asked questions
### Does the borrower need a LendingWise account to sign?
No. Signers receive an email with a unique signing link that works without any login.
### Can signers sign on a phone?
Yes. The signing page is mobile-first, with proper touch handling for the signature pad and safe-area padding so the action bar stays above the home indicator on iPhones.
### Can I require fields to be filled in a specific order?
Not in V1 — all signers can sign in parallel. Sequential signing is on the roadmap.
### What happens if a signer declines?
The envelope is voided immediately. All other signing links stop working. The envelope creator is notified by email and the audit log records the decline.
### Can I edit a sent envelope?
No. Once an envelope is sent, you can't change field placements or document content. If you need to make changes, void the envelope and start a new one.
### Are signed PDFs editable?
No. The signed PDF is **flattened** — signature images, dates, text, and checkmarks are baked into the page content. There are no interactive form fields in the final document.
### Where is the signed PDF stored?
In the **Uploaded Files** section of the loan file's Docs tab, in a sub-folder called **E-Signed Documents**. The same PDF is also accessible via the **View Signed PDF** link in the E-Sign V2 envelopes table.
### Can I delete a sent envelope?
You can **delete drafts**. Sent envelopes can be **voided** (cancels them, kills the signing links) or **archived** (hides them from your view, but preserves the audit trail and signed PDF).
### Does archiving delete the signed PDF?
No. Archiving only hides the envelope row from the default view in the E-Sign V2 envelopes table. The signed PDF remains in the Uploaded Files section. The archive confirmation prompt reminds you of this explicitly.
### Can I get a copy of the audit trail for compliance?
Yes. Open the envelope details modal and click **Download Audit Certificate (PDF)**. This generates a branded Certificate of Completion that's safe to attach to legal/compliance archives.
### What replaces the old e-sign system?
E-Sign V2 fully replaces the legacy ImageMagick-based e-sign that required a developer ticket per document type. The legacy webform e-sign and the wet-sign-at-closing flow are unchanged and continue to work as before.
### Is there a way to test placement before sending?
Yes — click **Save Draft**, then use the **Preview** action from the envelope details modal. Preview shows a read-only mirror of the signing page. No emails are sent and no audit entries are recorded for the signers.
---
## Need help?
If you run into any issues, please contact LendingWise Support and include:
- The **Reference ID** of the envelope (visible in the details modal as `ENV-XXXX-XXXX-XXXX-XXXX`)
- A short description of what you were trying to do
- Whether the issue affects the sender, the signer, or both
Reference IDs are designed to be safe to share — they don't expose the loan ID or your tenant ID.
> **Audience:** Lender admins, processors, brokers, loan officers, and branch users on the LendingWise platform.
> **Article type:** Getting Started + How-To (HubSpot KB)
> **Last updated:** 2026-05-06
---
## What is E-Sign V2?
E-Sign V2 is LendingWise's new built-in electronic signature system. It replaces the legacy per-document e-sign setup that required a developer ticket every time you wanted to add a signable form. With E-Sign V2 you can:
- Pick **any** documents from a loan file's Docs tab — uploaded files, required-doc submissions, or Doc Wizard PDFs — and merge them into a single signing packet
- Drag your signature, initials, date, text, and checkbox fields anywhere on the page using a familiar drag-and-drop workspace
- Assign each field to a borrower, co-borrower, guarantor, entity member, or any custom signer you add
- Send the envelope — signers receive an email with a no-login signing link that works on desktop and mobile
- Track who has signed, who hasn't, and the full audit trail in one place
- Download a branded **Certificate of Completion** for your compliance records
No more developer tickets. No more rebuilding templates from scratch every time a form changes.
---
## In this article
1. [Turning E-Sign V2 on for your account and your users](#turning-e-sign-v2-on-for-your-account-and-your-users)
2. [Sending your first envelope](#sending-your-first-envelope)
3. [What signers see (and how to preview it)](#what-signers-see-and-how-to-preview-it)
4. [Tracking envelope status](#tracking-envelope-status)
5. [Managing envelopes after they're sent](#managing-envelopes-after-theyre-sent)
6. [Using e-sign tags inside Doc Wizard templates](#using-e-sign-tags-inside-doc-wizard-templates)
7. [Reminders and expiration](#reminders-and-expiration)
8. [Audit trail and Certificate of Completion](#audit-trail-and-certificate-of-completion)
9. [Frequently asked questions](#frequently-asked-questions)
---
## Turning E-Sign V2 on for your account and your users
E-Sign V2 is rolled out behind two layers of toggles so you can pilot it before flipping it on for everyone:
### 1. Tenant-level toggle (Super Admin)
By default, **E-Sign V2 is enabled for every LendingWise tenant**. If for any reason you need to disable it across your entire account, a Super Admin can do so:
1. Go to **Super Admin → Processing Company**
2. Find the **Enable E-Sign V2** checkbox (just below "Enable Loan Tracker")
3. Uncheck it and save
> **Heads up:** Turning the tenant toggle off blocks every user in your account from sending new e-sign envelopes — regardless of their individual permissions. Existing signed PDFs remain visible in the Uploaded Files section.
### 2. Per-user toggle (User profile)
Once the tenant toggle is on, you control which users can **send** envelopes. The default is intentionally cautious so individual users don't get surprise access:
| User type | Default | Where to flip the toggle |
|---|---|---|
| Back-office (employees, managers, super users) | **ON** | Employee profile → "Documents and Notifications" → **Enable E-Sign V2** |
| Branch users | **OFF** (opt in) | Branch profile → "Documents and Notifications" → **Enable E-Sign V2** |
| Loan Officers | **OFF** (opt in) | Loan Officer profile → "Documents and Notifications" → **Enable E-Sign V2** |
| Brokers | **OFF** (opt in) | Broker profile → "Documents and Notifications" → **Enable E-Sign V2** |
| Borrowers | **N/A** | Borrowers can never send envelopes — they only sign them |
> **Note:** The per-user toggle controls the **Open E-Sign Workspace** button. Even if a user can't send envelopes, they can still **view** signed PDFs in the Uploaded Files section if their normal document-view permissions allow it.
---
## Sending your first envelope
### Step 1 — Open a loan file's Docs tab
Navigate to any loan file and click the **Docs** tab. You'll see three document sections:
- **Uploaded Documents**
- **Auto-Generated Documents** (Doc Wizard outputs)
- **Required Documents** (borrower submissions)
If your account is set up correctly, each section now has an **Open E-Sign Workspace** button.
### Step 2 — Pick the documents you want to send
Click **Open E-Sign Workspace**. A picker modal appears showing every document available in that section. Check the boxes next to the documents you want to merge into the signing packet.
> **Compatibility:** PDFs, DOCX, and image files (PNG, JPG) are all supported. The system converts non-PDF formats automatically. Excel files and unrecognized formats are flagged as incompatible in the picker.
### Step 3 — Reorder, if needed
If you picked **two or more documents**, you'll land on a reorder screen. Drag the rows to put them in the order you want. When you're done, click **Continue**.
If you picked just one document, this step is skipped.
### Step 4 — Place fields in the workspace
The workspace opens with your merged PDF rendered on the left and a side panel on the right showing:
- **Signers** — automatically populated from the loan file (borrower, co-borrower, additional guarantors, entity members)
- **+ Add signer** — add anyone else who needs to sign (CPAs, trustees, witnesses, etc.) by name and email
To place a field:
1. Click the signer's row in the side panel — fields you place will be color-coded for that signer
2. Click a field type from the bottom palette: **Signature**, **Initials**, **Date**, **Text**, **Checkbox**
3. Drag the field onto the PDF and drop it where the signer should fill it in
4. Resize by dragging the corner; reposition by dragging the field
> **Required vs Optional:** Signature, Initials, and Date fields are always required. Text and Checkbox fields can be toggled to **Optional** if you don't need them filled in for the envelope to complete.
### Step 5 — Configure email and reminders
Below the field palette, expand the email options to:
- Customize the email subject and message body shown to signers
- Set an expiration date
- Enable **automatic reminders** — pick how many reminders to send and how many days between each one. Signers who have already finished will not receive reminders.
### Step 6 — Send
Click **Send Envelope**. The system validates that:
- At least one signer has been added
- At least one field has been placed
- Every signer with a field placed has a valid email address
If everything checks out, the envelope is queued for delivery. Each signer receives an email with their personal signing link.
> **Tip:** You can click **Save Draft** at any time during steps 4–5. The envelope is saved with status `Draft` and you can resume it later from the Docs tab.
---
## What signers see (and how to preview it)
### What signers see
Signers receive an email with a button that opens a mobile-friendly signing page. They do **not** need a LendingWise account. The page shows:
- The full signing packet rendered as a scrollable PDF
- Their assigned fields (highlighted)
- Other signers' fields (grayed out, read-only)
- A bottom action bar with **Finish Signing** or **Decline**
For signature and initials fields, a modal opens with two tabs:
- **Draw** — sign with mouse or finger
- **Type** — type your name and pick a script font
Signers can redo a signature, edit text, or untoggle a checkbox at any time before clicking **Finish Signing**.
### Previewing what your signers will see (without sending)
From the workspace or the envelope details modal, you can open a **Preview** of the envelope. This is a read-only mirror of the signing page that uses your existing LendingWise login — perfect for QA-ing field placement before hitting Send. Previewing does not generate any audit-trail entries on the signers' records.
---
## Tracking envelope status
Every envelope you send appears in the **E-signed Documents** card on the Docs tab, in a table titled **E-Sign V2 — All Envelopes**. The columns are:
| Column | What it shows |
|---|---|
| Subject/Description | The email subject you set when sending |
| Status | One of six states (see below) |
| Sent | When the envelope was first sent |
| E-Signed | When the last signer finished |
| Signers | Who is on the envelope and their per-signer status |
| Action | Resume / View Signed PDF / Details / Delete / Archive |
### The six envelope statuses
| Status | Meaning |
|---|---|
| **Draft** | Saved but not sent yet. Resume to keep editing. |
| **Sent** | Sent to all signers. None have signed yet. |
| **Partially Signed** | At least one signer has finished. Others are still pending. |
| **Completed** | All signers finished. The signed PDF is archived in the Uploaded Files section. |
| **Voided** | You (or a signer who declined) cancelled the envelope. All signing links are dead. |
| **Expired** | The expiration date passed before all signers finished. Pending links no longer work. |
### Showing or hiding voided/archived envelopes
Above the table you'll see two toggles:
- **Show voided & expired** — turns visibility on/off for voided and expired envelopes
- **Show archived** — turns visibility on/off for archived envelopes
Your toggle settings are remembered per browser, so you don't have to flip them every visit.
---
## Managing envelopes after they're sent
Click the **Details** icon on any envelope row (or click anywhere on the row outside the action buttons) to open the **Envelope Details** modal. From here you can take any action that's valid for the envelope's current state.
### Per-signer actions (when the envelope is in flight)
- **Resend invitation** — sends a fresh email with the same signing link (no token rotation; previously-forwarded emails keep working)
- **Change email** — fix a typo on a pending signer; does not auto-resend (click Resend after if you want the new address to receive a link)
### Envelope-level actions
| Action | Allowed when status is | What it does | Reversible? |
|---|---|---|---|
| **Resume** | Draft | Reopens the workspace so you can keep editing. | n/a |
| **Delete Draft** | Draft | Permanently removes the draft from your view. Field placements and signer setup are lost. | No |
| **Void Envelope** | Sent, Partially Signed | Cancels the envelope, kills all signing links, notifies signers + the creator. | No |
| **Archive** | Completed, Voided, Expired | Hides the envelope from the default view to declutter. **The signed PDF stays in Uploaded Files.** | Yes — Unarchive any time |
| **Unarchive** | Archived | Restores the envelope to the default view. | Yes |
| **View Signed PDF** | Completed | Opens the flattened signed PDF in a new tab. | n/a |
| **Download Audit Certificate (PDF)** | Any | Generates a branded Certificate of Completion. | n/a |
> **Important:** Archiving an envelope does **not** delete the signed PDF. The flattened signed document remains in the Uploaded Files section of the Docs tab until you delete it from there. The Archive confirmation prompt explicitly reminds you of this.
---
## Using e-sign tags inside Doc Wizard templates
If you use Doc Wizard to maintain reusable document templates, you can pre-place e-sign fields directly inside the Google Doc template. When the template is generated for a loan, the fields land in the e-sign workspace exactly where you put them.
### The 30 available tags
You have **3 field types** × **10 signer roles** = 30 tags to choose from:
**Field types:**
- `##ESign <Role> Signature##`
- `##ESign <Role> Initials##`
- `##ESign <Role> Date##`
**Signer roles:**
- Borrower
- CoBorrower
- Guarantor1, Guarantor2, Guarantor3
- EntityMember1, EntityMember2, EntityMember3, EntityMember4, EntityMember5
**Example:**
```
##ESign Borrower Signature##
##ESign Borrower Date##
##ESign CoBorrower Signature##
##ESign CoBorrower Date##
```
### How it works
1. Open the template in Doc Wizard's editor
2. Use the merge-tag picker, scroll to the **E-Sign Fields** section, and insert the tags exactly where you want each field to render
3. Save the template — a small ✍ **E-Sign** badge appears next to the template in the Doc Wizard list, indicating the template is e-sign enabled
4. From any loan file's Docs tab → **Auto-Generated Documents** section → **Open E-Sign Workspace**
5. Pick the e-sign-enabled template — the system generates a fresh loan-specific PDF, pre-places the fields at the right spots, removes the visible tag text, and drops you straight into the workspace
6. Verify, optionally adjust, and Send
> **Why per-loan capture?** Field positions are calculated **at the moment you generate the document for a specific loan**, not when the template is saved. This way, if your template has dynamic content above the e-sign tags (long borrower names, variable-length descriptions, etc.), the field positions stay accurate no matter how the page reflows.
> **Roles missing on the loan:** If your template includes `##ESign Guarantor3 Signature##` but the loan only has one guarantor, that field is created with no signer assigned. The workspace will prompt you to either assign someone or remove the field before sending.
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## Reminders and expiration
### Automatic reminders
When sending an envelope, you can enable reminders and choose:
- **How many reminders** to send (e.g. 3)
- **How many days between** each reminder (e.g. every 2 days)
The system runs an hourly sweep that checks every in-flight envelope:
- Signers who have already finished are **skipped**
- Signers at the per-signer cap are **skipped**
- Once the per-envelope reminder cap is hit, no more rounds run
### Automatic expiration
If you set an expiration date, the same hourly sweep flips the envelope to `Expired` once that date passes. All pending signing links stop working, and the envelope creator is notified.
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## Audit trail and Certificate of Completion
Every action on an envelope is recorded in an append-only audit log:
- Envelope created / sent / voided / expired / completed
- Each field filled in (per signer)
- Each signer's IP address, browser, and timestamp at completion
- Resends, email changes, archive/unarchive
The **Envelope Details modal** shows the full audit log on screen. From the modal footer, click **Download Audit Certificate (PDF)** to get a printable, branded **Certificate of Completion** that includes:
- An opaque public reference ID (e.g. `ENV-A3F1-9C42-7D8E-B521`) — safe to share in support tickets and compliance archives
- Your tenant name and color band header on every page
- Document subject, page count, all key timestamps
- Per-signer table — name, email, role, status, signed-at timestamp
- Full chronological audit trail
- ESIGN/UETA chain-of-custody disclaimer
The reference ID is also visible in the modal as a copy-friendly chip below the status badge.
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## Frequently asked questions
### Does the borrower need a LendingWise account to sign?
No. Signers receive an email with a unique signing link that works without any login.
### Can signers sign on a phone?
Yes. The signing page is mobile-first, with proper touch handling for the signature pad and safe-area padding so the action bar stays above the home indicator on iPhones.
### Can I require fields to be filled in a specific order?
Not in V1 — all signers can sign in parallel. Sequential signing is on the roadmap.
### What happens if a signer declines?
The envelope is voided immediately. All other signing links stop working. The envelope creator is notified by email and the audit log records the decline.
### Can I edit a sent envelope?
No. Once an envelope is sent, you can't change field placements or document content. If you need to make changes, void the envelope and start a new one.
### Are signed PDFs editable?
No. The signed PDF is **flattened** — signature images, dates, text, and checkmarks are baked into the page content. There are no interactive form fields in the final document.
### Where is the signed PDF stored?
In the **Uploaded Files** section of the loan file's Docs tab, in a sub-folder called **E-Signed Documents**. The same PDF is also accessible via the **View Signed PDF** link in the E-Sign V2 envelopes table.
### Can I delete a sent envelope?
You can **delete drafts**. Sent envelopes can be **voided** (cancels them, kills the signing links) or **archived** (hides them from your view, but preserves the audit trail and signed PDF).
### Does archiving delete the signed PDF?
No. Archiving only hides the envelope row from the default view in the E-Sign V2 envelopes table. The signed PDF remains in the Uploaded Files section. The archive confirmation prompt reminds you of this explicitly.
### Can I get a copy of the audit trail for compliance?
Yes. Open the envelope details modal and click **Download Audit Certificate (PDF)**. This generates a branded Certificate of Completion that's safe to attach to legal/compliance archives.
### What replaces the old e-sign system?
E-Sign V2 fully replaces the legacy ImageMagick-based e-sign that required a developer ticket per document type. The legacy webform e-sign and the wet-sign-at-closing flow are unchanged and continue to work as before.
### Is there a way to test placement before sending?
Yes — click **Save Draft**, then use the **Preview** action from the envelope details modal. Preview shows a read-only mirror of the signing page. No emails are sent and no audit entries are recorded for the signers.
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## Need help?
If you run into any issues, please contact LendingWise Support and include:
- The **Reference ID** of the envelope (visible in the details modal as `ENV-XXXX-XXXX-XXXX-XXXX`)
- A short description of what you were trying to do
- Whether the issue affects the sender, the signer, or both
Reference IDs are designed to be safe to share — they don't expose the loan ID or your tenant ID.