{"id":7638,"date":"2023-03-22T15:50:05","date_gmt":"2023-03-22T20:50:05","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?page_id=7638"},"modified":"2023-04-10T10:52:49","modified_gmt":"2023-04-10T15:52:49","slug":"freedom-mortgage","status":"publish","type":"page","link":"https:\/\/www.morty.com\/resources\/mortgage-manual\/initial-disclosures\/freedom-mortgage","title":{"rendered":"How to Access and Sign Your Initial Disclosures &#8211; Freedom Mortgage"},"content":{"rendered":"\n<div style=\"background-color:#ffe0cc;padding-left:5%;padding-right:5%;padding-bottom:5%;padding-top:10%\" class=\"wp-block-genesis-blocks-gb-container gb-layout-hero-1 gb-block-container alignfull\"><div class=\"gb-container-inside\"><div class=\"gb-container-content\" style=\"max-width:850px\">\n<h1 class=\"wp-block-heading has-text-align-center gb-white-text has-text-color\" id=\"htoc-income-amp-employment1\" style=\"color:#de5930;font-size:56px\">Freedom Mortgage<\/h1>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-text-color has-large-font-size\" id=\"htoc-different-types-of-income-how-they-are-calculated-and-verified-for-your-mortgage1\" style=\"color:#de5930;font-size:56px\">How to Access and Sign Your Initial Disclosures<\/h4>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-container gb-block-container\"><div class=\"gb-container-inside\"><div class=\"gb-container-content\">\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/www.morty.com\/resources\/\">Resources<\/a><\/span> &gt; <span><a href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\">Mortgage Manual<\/a><\/span> &gt; <span><a href=\"https:\/\/www.morty.com\/resources\/mortgage-manual\/initial-disclosures\">Initial Disclosures<\/a><\/span> &gt; <span class=\"breadcrumb_last\" aria-current=\"page\">How to Access and Sign Your Initial Disclosures &#8211; Freedom Mortgage<\/span><\/span><\/div>\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div style=\"color:#32373c\" class=\"wp-block-genesis-blocks-gb-drop-cap drop-cap-letter gb-font-size-3 gb-block-drop-cap\"><div class=\"gb-drop-cap-text\"><p>After you complete your mortgage application on Morty.com and receive confirmation that it has been received and processed, the next step is to sign your initial disclosures. Initial disclosures are sent directly to your email from our team via our lender partners and will require several simple steps to complete, including consenting to e-signature, e-signing, and providing intent to proceed. This article will teach you how to access and sign your initial disclosures with Freedom Mortgage.<\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Table of Contents<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-different-types-of-income-how-they-are-calculated-and-verified-for-your-mortgage1\">How to Access and Sign Your Initial Disclosures<\/a><\/li><li class=\"\"><a href=\"#htoc-step-1-welcome-e-mail\">Step 1: Welcome E-mail&nbsp;<\/a><\/li><li class=\"\"><a href=\"#htoc-step-2-sign-in\">Step 2: Sign-In&nbsp;<\/a><\/li><li class=\"\"><a href=\"#htoc-step-3-verify-phone\">Step 3: Verify Phone<\/a><\/li><li class=\"\"><a href=\"#htoc-step-4-enter-code\">Step 4: Enter Code<\/a><\/li><li class=\"\"><a href=\"#htoc-step-5-consent\">Step 5: Consent&nbsp;<\/a><\/li><li class=\"\"><a href=\"#htoc-step-6-review\">Step 6: Review&nbsp;<\/a><\/li><li class=\"\"><a href=\"#htoc-step-7-sign\">Step 7: Sign&nbsp;<\/a><\/li><li class=\"\"><a href=\"#htoc-step-8-ink-south-carolina-only\">Step 8: Ink &#8211; South Carolina Only<\/a><\/li><li class=\"\"><a href=\"#htoc-step-9-provide-intent\">Step 9: Provide Intent<\/a><\/li><li class=\"\"><a href=\"#htoc-step-10-done\">Step 10: Done&nbsp;<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-1-welcome-e-mail\">Step 1: Welcome E-mail&nbsp;<\/h2>\n\n\n\n<p>If your lender is Freedom Mortgage, you will receive an email from FreedomMortgage@FreedomMortgageLoans.com initiating the electronic signature process. The e-mail references Morty.com in the subject line and body of the e-mail. You may also receive an email from your Mortgage Expert with this information, but be sure&nbsp;to read all emails from this Freedom email address too.&nbsp;The signature line at the bottom of the e-mail references your loan officer\u2019s name and contact information.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/9CBRyb7HQKbqxMZhDLRPuyHfR_26Cto5G99c-o8h99na7845032yaDd24r7ixZy0hWpkK9CsEzyoM0E2SGACRMwGojqRgctTA-UNfQ46uxqHaYn-dNskpI7JkDRNJNn1-BczySkB\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-2-sign-in\">Step 2: Sign-In&nbsp;<\/h2>\n\n\n\n<p>After clicking on \u201cGet Started\u201d in the welcome email, you\u2019ll be taken to the Freedom sign-in page, where the following information is required:&nbsp;Property State (from the drop-down)&nbsp;First name (this will be the name of the primary borrower you registered with Morty)&nbsp;Last name&nbsp;Helpful Sign-In Tips from Freedom:&nbsp;Enter first and last names as they appear in the email you received. For example, \u201cDear John Homeowner\u201d&nbsp;Do not enter middle initials&nbsp;Manually type in credentials; do not allow the browser to auto-fill&nbsp;Sign in fields are not case sensitive&nbsp;Make sure to use Internet Explorer 9 (or later), or current versions of Mozilla Firefox, Chrome, or Safari<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh4.googleusercontent.com\/FTyXfjhjbhIBaYdupeNO2E_84GGkGOetvRbUSIPkVcX-1uiKd8ZU9CWivmoFgw-5kQSWzD1FdNUXSv3Hj96qgUp1IYvrdJ3o4dHniXwdQTGA3fbNYN-4nTcdkOVKHXGrCzyk2OeF\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-3-verify-phone\">Step 3: Verify Phone<\/h2>\n\n\n\n<p>After signing into your account and clicking \u201cNext\u201d, you will be asked to verify your phone number by receiving a verification code via text or phone call. The phone number is based on what the Morty team provided to Freedom Mortgage at the time of loan registration and is the same phone number that you or your co-borrower used in your Morty application. You can choose to have the code sent via text (only if the phone number is connected to a mobile phone) or via a phone call. If the phone number is incorrect, please contact your loan officer right away. Morty will take care of providing Freedom Mortgage with the correct phone number.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/-h1ZRDc2agHCkj_poG8w7_c40jMa0IkW4Co0ShxlmiA0jvFwGBkFdIEctvuDvhr7X1aehol-Kterj2mFg1HJQGRo6Hhekd945A51YkXiZ9btBt-_hwWb0OlX_CoJFCTHIwAJIAL1\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-4-enter-code\">Step 4: Enter Code<\/h2>\n\n\n\n<p>Enter the code received via text or phone call. Please remember that the code will only last for 30 minutes.<\/p>\n\n\n\n<p><br><img loading=\"lazy\" decoding=\"async\" width=\"280\" height=\"97\" src=\"https:\/\/lh4.googleusercontent.com\/aofaWwUtNWGcK1tPzeZ9GTY25uHWJA250MgE6jl7TPis78_6MHokydPQX_rjshmQLpnWEzUdknpJpw4lIdK6q5jfzhmxg13xo57ng7lHk9wHPdKaDKiUXcBfZZl60NJ3MXG_0feD\"><img loading=\"lazy\" decoding=\"async\" width=\"168\" height=\"192\" src=\"https:\/\/lh4.googleusercontent.com\/UTU8wbtBsiVwz8VCa_yK3nY6DUNv8izU2JF-9Q2kMtOCV7Z5QKSgpMapGlteiIeZtr5oqLVLMjziBW1jP9tkxB0V5Rd8d0U3KWdJi9WQjRUc0TGh5K-rp3axiiWDykA54Ty8bnEA\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-5-consent\">Step 5: Consent&nbsp;<\/h2>\n\n\n\n<p>The first time you log in, you\u2019ll be asked to consent to receive documents electronically by accepting the Electronic Records &amp; Signatures Agreement. If you do not wish to receive documents electronically you may select \u2018Decline\u2019, which will result in the disclosures being mailed to the home address that you provided to Morty in your application. Please note that doing so can adversely affect your closing timeline and will disqualify you from the Closing Date Promise.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/MC_2tucth66vNI4Ycr-pjs9_znNJtgaJ7nVIGLLaBUVd-FF2qQsQEiu1B252x3QPOk-XsjtcIgvpklfLZQjkmTwI2MJSQmC4tuuL9Gm9LDae1--N7hSbQrFX_oYRfZVJZniufpFZ\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-6-review\">Step 6: Review&nbsp;<\/h2>\n\n\n\n<p>The Review section provides a list of all initial disclosure documents. You must review ALL documents in order to enable signing. Once a document has been viewed, the yellow indicator will change to green. After viewing all documents and in order to start signing, please click the \u201cStart\u201d button at the bottom right of your screen.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/zSe-xZZYFt4di24mkQLmTJrhDtX0400S90irXrDIkiizFpsc-BmO9JHmPagF9MReP-DHEnxnVK2P88LcMvsoS-QT3PHR2ld9PeMc2-beRnG1IbrpooYkI5VD6JX82yksa91edGdA\" alt=\"\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/-zdAo0qYAWKYGU9cUpQZ1Idc31WnijwMwGrGc4RrBHWF2Tfr7JNPdinqB3dM3Bm64tSDZHwYOfO75eUv3uzTBs2axvaShePnX1wuLYBraO-J869erMkUwlQkkq0Jv-l2TnvoJkTo\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-7-sign\">Step 7: Sign&nbsp;<\/h2>\n\n\n\n<p>To e-sign and date your initial Disclosures, you may click either the red or yellow \u201cSign\u201d icons. After clicking the \u201cSign\u201d icon, you will be automatically moved to the next document that requires a selection and\/or signature.<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/aqb1FSoaY3GiR5oovmL9fL2fLqn1-40wh0nlRE1q24qlkLSNu7hAa-lwRMXzJfdPnt_9A-Q8r2KOU86UPP0W4ROrR6FpEOFnM9vjjrLRh0ow4VtsTm9Uz2o-Qeb3iXk_cQSoTx-H\" width=\"445\" height=\"162\"><\/p>\n\n\n\n<p>If there is a document with a question that requires a response, you will be presented with a red \u201cSelect One\u201d icon. Please select the appropriate response to continue.<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/zNZMEWjXOZbb02DVWc4iMhiHzLnZuGFmjKX7y1fx07gFgeCeC9i1ph7uIqmyO0MtNqpB8oV88t2eUT7MsY9Kwz5gG4-BOQXNT0qVnkcayEt2PRvjWererYOax84xoMDQccladhx7\" width=\"511\" height=\"92\"><\/p>\n\n\n\n<p>If there is a document with a field that requires a typed response, you will be presented with a red \u201cFill in\u201d icon. Please type in the appropriate response to continue.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh3.googleusercontent.com\/cp4GFDQmJy-I4IGPkSTmA8zI-hXJ1ePhWSY6bYhY1GFku6EIIJcB-HzsFawb6onMc01fufB4NYpgyCZxk6FmJQuGw6KA7Is3bUyh2EMtMrjnXcDErt4bFq8fjoxLAeLlx04NQmWU\" alt=\"\"\/><\/figure>\n\n\n\n<p>Once all required responses have been completed, the \u201cSubmit\u201d button will become available to you. Clicking \u201cSubmit\u201d completes the electronic signature part of the process and moves you to the next step in the process.<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/wFpy-6-MAIrFXHiG5HqqiMuQdnoO2z1_q5yYQ0T6RTouY34ONyS_BpEZ9nQ757Ue7ivRprv3sKq7brm6Jkb2xJjgTwROjf11OVxMwuHvetW6BuXoqf5cuFvzWPCAU5xbdfecTT43\" width=\"624\" height=\"117\"><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/WHy8sVBjURcg22FMIbLMp_CHWnWbFSXGYTOLdlnpxFYz_AWqngj1DIWaRdCK34D8Xm9RpKbdhA3tQAMXRzgH4hLrL9X8qjRQe4qS0lcgsNqi-Bd9-0UaH6P6Sfss55tw0XhGgPWu\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-8-ink-south-carolina-only\">Step 8: Ink &#8211; South Carolina Only<\/h2>\n\n\n\n<p>Note: The Ink section only appears if a wet-signed document is required (currently only loans with a subject property located in SC require a wet-signed document). The Ink section provides you with any documents that require a wet signature. If this applies to you, please download or print the documents for signing, and then return via mail to Freedom Mortgage. When finished downloading or printing, click the continue button to proceed to the Intent section.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/v2g91MSBoZdytezyBCSlyKcKJhP-c541DhA5fX9IhesrYkBtWkEyKTYPlx04Ar2BZBUKeOv_RNo8QdllpOq7CkR4J8Zd3toIM0NkIFjEf8EIjGOOyrD96i1Y_IqJn5UWh3OQFo21\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-9-provide-intent\">Step 9: Provide Intent<\/h2>\n\n\n\n<p>After electronically signed documents are Submitted and Ink documents are printed (if applicable) you will be presented with an Intent To Proceed statement. You can select \u201cYes\u201d or \u201cSkip\u201d. By clicking \u201cYes\u201d in Intent to Proceed, our team can move forward with the next steps for your loan and submit it to underwriting. Providing intent is not a contractual commitment to Morty or Freedom. If you select \u201cSkip\u201d, you will be presented with an explanatory pop-up message. Please note that intent to proceed is necessary for us to continue processing your loan.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/atSUqkWwJUnCd0SORB1T3R2JGtLyKHSGsrNDXaI_fjA4-W9JKw5pAEQQbiz9suGmGKyDLP9OG9qoCbbt_jXTHKNlfN9hqyA6Fp7g3inZpK8PXhcirGId_cqQxQ4EiynxLUj9IJ37\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-10-done\">Step 10: Done&nbsp;<\/h2>\n\n\n\n<p>Congratulations, you have signed everything you need to sign, and if you provided intent, we can move forward processing your loan!&nbsp;<\/p>\n\n\n\n<p>This section will provide a list of all loan package documents. The documents can be downloaded or printed. You may log back in at any time prior to the \u201cavailable to\u201d date (10 days from the date it was sent) to re-access documents by clicking the URL in the original email sent to you for signature.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Step 1: Welcome E-mail&nbsp; If your lender is Freedom Mortgage, you will receive an email from FreedomMortgage@FreedomMortgageLoans.com initiating the electronic signature process. The e-mail references Morty.com in the subject line and body of the e-mail. You may also receive an email from your Mortgage Expert with this information, but be sure&nbsp;to read all emails from&#8230;<\/p>\n","protected":false},"author":30,"featured_media":0,"parent":8181,"menu_order":8,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"class_list":["post-7638","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Freedom 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