Secure Website Encompass Loan Center

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1 What is housed in this website? NOVA Home Loans uses a secure website where you can access your NOVA loan documents 24-hours a day. In this secure website, you will find the documents associated with your loan and if you provide your econsent, you may sign these documents electronically. You will also have the ability to upload supporting documents your NOVA Loan Officer or Processor requests from you during the loan process. Frequently Asked Questions What is econsent? NOVA Home Loans allows you the convenience of electronically signing your loan disclosures. However, prior to receiving or signing disclosures or other loan documents electronically, we need your consent. Can I stop mid-way through the signing process and come back to finish at a later date? Yes. Select OTHER ACTIONS to save your progress and come back later by selecting FINISH LATER. What if I start esigning and the system times out? The esigning process will time out if there is no activity for few minutes. If this happens, you will need to start over. To avoid a time out, please be sure to keep moving through the esigning process or move your mouse as you read through the documents. Can I esign my documents on my cell phone or tablet? While this may be possible, it is not recommended. Also, the Web Center is not well supported by the Safari browser, which makes esigning on an iphone or ipad difficult. How do I access the website? After your Loan Officer sends your loan disclosures, you will receive an from efolder@elliemae.com titled, NOVA Disclosures Ready to be Signed. The purpose of this message is to notify you that loan disclosures are available for your electronic signature. Before you can access your documents, you will have to create an account. Create an account. Even if you completed your loan application online, you will still need to create a new account. Input the information shown below and write down your password for future reference. Your username will be your address and your password is unique to you, but must be between 6 to 20 characters. (Note: If you have previously completed a loan with NOVA, use the login credentials you created for that loan.)

2 Activate your account. After you create your account, you will receive an like the one shown below asking you to activate your account. Select the link, Click here to activate this account. Enter the password you used to create your account, and then select Activate New Account.

3 Signing Disclosures Electronically Step 1: After activating your account, you will see your Loan Detail. To esign your documents, select the esign button.

4 Step 2: If you have not already provided your econsent (meaning you agree to receive disclosures and documents related to your loan electronically), you will be asked to do so. Please review the agreement, and select I Agree. Step 3: You will be asked to provide the Authorization Code needed to esign your documents. This will be the last four digits of your Social Security Number. Once you enter your code, select Next.

5 Step 4: You will enter the DocuSign portal. First, select Next. Step 5: Then, you will select Start. Step 6: The SIGN arrow will lead you and show you where you need to apply your signature. Click the yellow box to apply your signature. Step 7: If this is the first time you are signing through DocuSign, you will be asked to Adopt Your Signature. Select ADOPT AND SIGN.

6 Step 8: After your signature has been applied, click the blue SIGN arrow to move on to the next signature. You will click the yellow Sign box to apply your signature on each document where it is needed. One document, the T, requires that you click a checkbox and Sign. Step 9: Once all of your documents have been signed, select the blue FINISH button in the bottom right. Step 10: After you select the FINISH button, you will return to the Loan Detail screen, and will see the following image letting you know your documents have been esigned successfully.

7 Printing & Uploading Documents that Require a Wet Signature Some documents may not be signed electronically. These documents are available for you to print from the Loan Detail screen as shown in the image below. Step 1: Select the Print button to print the documents and the return cover sheet. Step 2: After you print and wet sign the documents, you can scan each document separately and save them to your computer to upload into the Loan Center. Select the Upload button, and you will see the following screen. Select Browse to attach each document, and then Upload to save them in the Loan Center.

8 Uploading Files & Documents Requested by NOVA At times throughout the loan process, your NOVA Loan Officer or Processor may request documentation from you. To securely return this information to NOVA, you can upload the information in the Loan Center in the section pictured below. Step 1: Select the type of file or document from the drop down menu. Step 2: Select Browse to locate the file on your computer, and then, when you are finished uploading the documents, select Upload File to complete the process.