Case Study - Embrace Home Loans Client Founded in 1983, Embrace Home Loans has remained a prominent leader in the mortgage industry, having helped hundreds of thousands of individuals and their families purchase new homes, lower their monthly payments and consolidate high-interest debt since its inception. Challenge The IRS Form 4506-T was the only remaining document in a standard loan application that could not be signed electronically. It is a mandated form for mortgage loan origination or modification that gives the lender consent to verify a loan applicant’s income, as reported to the IRS. Solution Embrace Home Loans participated in an IRS pilot in conjunction with Equifax and DocuSign allowed applicants to electronically sign the Form 4506-T, accelerating the

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