Case Study: Embrace Home Loans achieves days‑to‑minutes IRS 4506‑T processing and paperless loan originations with Equifax

Embrace Home Loans - Customer Case Study

Embrace Home Loans, founded in 1983, is a national mortgage lender that has helped hundreds of thousands of families buy homes and manage debt. Their key operational challenge was the IRS Form 4506-T — a mandatory income-verification consent that, until recently, required a wet-ink signature, creating delays, lost paperwork and fraud risk that slowed or blocked loan closings.

To solve this, Embrace joined an IRS pilot with Equifax and DocuSign to enable secure electronic signatures on the 4506-T. The eSignature workflow let applicants sign via any web-enabled device and submit forms to Equifax in minutes instead of days; the pilot proved the process’s security and usability and prompted the IRS to accept eSigned 4506-T forms industry-wide, enabling faster, more secure, paperless loan originations.

Embrace Home Loans