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What an eNote is

A  note executed electronically and stored in an eVault that meets the eNotes  operational requirements.

What an eNote is Not

A scanned image of a wet ink signature or note with an electronic signature that is not stored in an eVault and doesn't meet the  eNote operational requirements.

Now Accepting eNotes

eNotes are now   eligible for pledging within the various one-to-four family residential real estate property categories (conventional mortgages, FHA-insured mortgages, VA-guaranteed mortgages, and held-for-sale mortgages), as well as second mortgages on one-to-four family residential real property. Pledging is subject to FHLBank prior approval, which will include the completion of the   eNotes Readiness Checklist   which can be found under the Enroll section below.

Read an article featured in The Kansas Banker magazine titled "Legal and Practical Considerations of Electronic Signatures."   The authors, Marci Kawski, Lauren Capitini and Chrissie Simpson, from the law firm Husch Blackwell, outline considerations to keep in mind while using electronic signatures.

Dedra Duran-Gray
Dedra Duran-GrayVP, Director of Collateral and Safekeeping Operations800.905.2733, ext. 8203
Amber HuskeCollateral Review Coordinator800.905.2733, ext. 8195

Explore eNotes

Requirements and Guidelines

Use the Collateral Acceptance and Requirements  Guidelines  to  understand the requirements and specifications for ensuring your financial institution's eNotes meet legal, technological and operational requirements necessary to electronically create valid, enforceable and transferable loan obligations.

Explore eNotes Education

The MERS  and MISMO   eMortgage directory are helpful resources for understanding eNotes terms,  information and key concepts for pledging eNotes as collateral to any of the FHLBanks.  MERS    has developed a library  of resource guides for FHLBank members.



Get Started with eNotes

Use our eNotes Readiness Checklist  to ensure you have everything in place to begin using eNotes as collateral with FHLBank Topeka. Use the MISMO eMortgage directory to look up all terms used in reference to electronically signed closing documents.

Enrollment Resources

Easily complete the enrollment section of the  eNotes Readiness Checklist  with this  list of resources below.  MERS®   has developed specific resources and information for FHLBank members. Use the resources on the  MERS®  webpage to  complete the eNotes enrollment process.


Visual Guides

Road to eNotes
The Road to eNotes

Take a look at how the groundwork was laid to start accepting eNotes.

eNotes and the Mortgage Industry
How eNotes are Transforming the Mortgage Industry

Rachael Sokolowski  is a recognized leader in the mortgage banking industry acting as a trusted adviser, strategist and driver of results in industry initiatives. View her presentation.

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