Skip to main content
Menu
Close
Home
About
Overview
Who We Are
Leadership
News & Press Releases
Careers
Corporate Citizenship
Supplier
Government Relations
Investor Relations
Corporate Governance
State Impact
Products & Services
Overview
Advances
Mortgage Partnership Finance
Affordable Housing
Letters of Credit
Strategies
Member Services
Resource Center
Overview
Educational Resources
Communications
Event Calendar
Useful Links
Glossary
Member Support
Overview
Capital Stock
Member Directory
Member Announcements
eAdvantage
Collateral
Membership
Member Credit
Careers
Logins
eAdvantage
eMPF
AHP Online
Safekeep Direct
Contact Us
close alert
In observance of Memorial Day, modifications to our usual services will occur beginning Friday, May 23. The Bank will be closed on Monday, May 26. View
Holiday Hours Schedule
.
Search
GO
FHLB Des Moines
MENU
Products & Services
Advances
Mortgage Partnership Finance
Affordable Housing
Letters of Credit
Strategies
Member Services
About
Who We Are
Leadership
News & Press Releases
Careers
Corporate Citizenship
Supplier
Government Relations
Investor Relations
Corporate Governance
State Impact
Resource Center
Educational Resources
Communications
Event Calendar
Useful Links
Glossary
Member Support
Capital Stock
Member Directory
Member Announcements
eAdvantage
Collateral
Membership
Member Credit
Careers
Contact Us
Logins
eAdvantage
eMPF
AHP Online
Safekeep Direct
Search
A wet-ink signed, hard copy of an original promissory note can be converted to an eNote.
MYTH
An eNote must be originated electronically, signed electronically, be stored in an eVault and have a tamper evident seal.
Defined in the MISMO® eMortgage Glossary as: An Electronic Record under ESIGN and UETA that (1) would be a Promissory Note under the Uniform Commercial Code if the Electronic Record were in writing; (2) the issuer of the Electronic Record expressly has agreed is a Transferable Record; and (3) for purposes of ESIGN, relates to a loan secured by real property. A Transferable Record is also referred to as an eNote. (Refer to Section 16 of UETA and in Title II, Section 201 of E-SIGN.)
An image of a wet signed note is NOT an eNote.
Back
Back to top