About
Stavvy is a comprehensive digital real estate transaction platform that replaces paper-heavy processes with secure, data-driven workflows for every stage of the mortgage lifecycle. Its SMART Doc® Engine powers intelligent document processing, while native eSign, eNotarization, eVault, and eRegistry support ensure full digital execution from origination through closing. Lenders can collaborate seamlessly with title and settlement professionals through flexible hybrid eClosing, eNote, and full eClosing options that reduce cycle times, lower costs, and increase profit margins. The platform's Remote Online Notarization (RON) capabilities and IPEN Eligibility Engine allow professionals to conduct legally compliant notarizations from anywhere. For servicers, Stavvy's Default Servicing solution combines a 24/7 Homeowner Engagement Portal with dynamic decisioning, real-time compliance tracking, and adaptable Waterfall Rules workflows for loss mitigation. Home equity lenders benefit from the same powerful SMART Doc® and eClosing infrastructure tailored for HELOC and HELOAN products. Stavvy is SOC 2 Type 2 certified and approved by major GSEs, making it a trusted choice for enterprise-grade real estate operations. The platform is designed for mortgage lenders, title companies, settlement agents, mortgage servicers, and real estate law firms seeking to modernize and scale their transaction operations.
Key Features
- SMART Doc® Engine: Intelligent document processing engine that powers digital mortgage and home equity closing workflows with native eSign, eNote, and eVault support.
- Remote Online Notarization (RON): Conduct fully compliant remote notarizations online, with an IPEN Eligibility Engine to determine the right notarization path for each transaction.
- Flexible eClosing Options: Supports hybrid eClosing, full eClosing, and eNote formats, giving lenders and title agents the flexibility to meet diverse borrower and investor needs.
- Digital Default Servicing: Combines a 24/7 Homeowner Engagement Portal, Waterfall Rules Engine, and real-time compliance tools to streamline loss mitigation and foreclosure workflows.
- GSE & Industry Certifications: Approved by Fannie Mae, Freddie Mac, Ginnie Mae, and MERS®, and certified by MISMO® with SOC 2 Type 2 compliance for secure, auditable transactions.
Use Cases
- Mortgage lenders digitizing the closing process to reduce cycle times and collaborate seamlessly with title partners using hybrid or full eClosing workflows.
- Title and settlement companies offering flexible digital closing options to meet lender and borrower demands while improving security and reducing paper.
- Mortgage servicers managing default and loss mitigation workflows with dynamic decisioning, real-time compliance tracking, and a 24/7 homeowner engagement portal.
- Home equity lenders (HELOC and HELOAN) modernizing their closing process with SMART Doc® technology, eSign, eNotarization, and eVault support.
- Real estate law firms streamlining document management and electronic notarization to boost productivity and expedite property transactions.
Pros
- End-to-End Real Estate Coverage: A single platform handles mortgage lending, title and settlement closing, default servicing, and home equity lending, eliminating the need for multiple disconnected tools.
- Industry-Leading Compliance: GSE approvals from Fannie Mae, Freddie Mac, and Ginnie Mae, plus SOC 2 Type 2 certification and MISMO® accreditation, provide confidence in regulatory and security requirements.
- Flexible Closing Modalities: Supports hybrid, eNote, and full eClosing options so lenders and title agents can accommodate different borrower preferences and investor requirements.
- Real-Time Collaboration: Enables seamless collaboration between lenders, title agents, and borrowers with easy revisions and obstacle resolution in a single secure data flow.
Cons
- Enterprise-Only Pricing: Stavvy is positioned as an enterprise solution with no self-service sign-up or public pricing, requiring a demo before getting started.
- US Market Focus: The platform is built around US real estate regulations, GSE requirements, and state-specific RON laws, limiting its applicability outside the United States.
- Implementation Complexity: As a comprehensive enterprise platform, onboarding and integration with existing loan origination or servicing systems may require significant setup time and technical resources.
Frequently Asked Questions
What is Stavvy?
Stavvy is a digital real estate transaction platform that helps mortgage lenders, title and settlement agents, servicers, and real estate law firms move away from paper-based processes using eClosing, Remote Online Notarization, eNote, and digital servicing solutions.
What types of closings does Stavvy support?
Stavvy supports hybrid eClosing (a mix of paper and digital), full eClosing (entirely paperless), and eNote closings (with a digitally-signed, electronically-stored promissory note), giving professionals flexibility to match investor and borrower preferences.
Is Stavvy approved by Fannie Mae and Freddie Mac?
Yes. Stavvy is approved by Fannie Mae, Freddie Mac, Ginnie Mae, and MERS®, and is certified by MISMO®. It is also SOC 2 Type 2 compliant, meeting the highest standards for digital real estate transactions.
Who is Stavvy designed for?
Stavvy serves mortgage lenders, title and settlement agents, mortgage servicers, and real estate law firms — essentially any professional involved in originating, closing, or servicing real estate loans.
Does Stavvy support remote online notarization?
Yes. Stavvy includes Remote Online Notarization (RON) and In-Person Electronic Notarization (IPEN) capabilities, along with an Eligibility Engine to determine which notarization method is available and appropriate for each transaction based on state laws and investor guidelines.
