eClose: part of the U.S. Bank digital mortgage experience

What if you could sign most of your mortgage loan documents online? With a virtual closing on a house, called an eClosing, you can review and sign many of your loan documents ahead of your closing date, speeding up the closing process and getting you into your new home as fast as possible.

How does eClosing work?

The process of an eClose at U.S. Bank is very similar to a traditional closing. You’ll access your closing documents electronically through our secure online application portal. The same secure portal that allows you to apply for your loan online can also be used to complete this part of the eClose process.

After you log in on your computer or mobile device, you’ll review your list of closing documents and then sign with just a few taps or clicks. When you finish signing all the documents, the digital portion of your loan closing is done.

Next, you’ll have a short follow-up appointment in person where you’ll sign some of the more important documents (like your deed) in the presence of a notary. You’ll also provide any funds due at closing directly to the Settlement Agent.

Throughout the entire process, a member of your loan team will personally walk you through each step and answer any questions you have. Plus, you can always check the status of your loan through the application portal.

Start your application if you’ve found a home you love.

We’ll confirm your personal and financial information, pull your credit report, and then a mortgage loan officer will connect with you about the results.

What are the benefits of an eClose?

Digitally closing on your home offers several key benefits including:

Saves time

You can trade in a lengthy in-person appointment for one that’s much shorter and move through your loan documents at your own pace. Also, by signing the majority of your loan documents ahead of your closing date, you’ll be one step closer to getting into your new home.


By electronically signing most of your paperwork, you can work toward closing on your new home from the comfort of your old one, or anywhere that has a secure and reliable internet connection. Plus, you get the flexibility of reviewing your documents at whatever time is best for your busy schedule.

Still get a pen-to-paper closing experience

Since you’ll be signing a few important documents in person with a notary, you won’t miss out on that official I-just-closed-on-my-new-home moment and photo op. But instead of a long appointment, the time you spend at the closing table will be short and sweet.

Let’s get you closer to your new home.

An experienced mortgage loan officer is just a phone call or email away with answers for just about any home-buying question.

Start of disclosure content


Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.