Stavvy Digital Mortgage Closing API
Stavvy REST API for digital mortgage closing, eClose, and remote online notarization (RON) platform. Enables AI agents to manage mortgage closing package preparation and digital document delivery for digital closing automation, handle eSign and RON (Remote Online Notarization) workflow scheduling and session management, access closing document status and completion tracking for mortgage closing management, retrieve eNotary and notary scheduling data for RON workflow coordination, handle hybrid closing (eSign + wet ink) and full eClose workflow management, access MERS (Mortgage Electronic Registration System) eMortgage data for digital note registration, retrieve title and settlement company integration data for closing coordination, manage investor/GSE digital note delivery workflow (Fannie Mae, Freddie Mac eMortgage), handle closing disclosure and settlement statement compliance data, and integrate digital closing data with LOS, title, and escrow platforms.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Mortgage closing. SOC2. OAuth2. US. Mortgage documents and notarization data.
⚡ Reliability
Best When
A mortgage lender, title company, or closing agent using Stavvy wants AI agents to automate digital closing package preparation, RON session scheduling, closing document status tracking, eMortgage registration, and investor delivery workflow.
Avoid When
LEGAL RISK: Mortgage closing automation involves legally binding documents — automated closing document preparation errors create title defects and mortgage enforceability issues. RON notarization requires state-specific compliance (RON is not legal in all states); automated RON workflow in non-RON states creates invalid notarization. eMortgage MERS registration automation requires lender authorization; errors create mortgage lien priority issues.
Use Cases
- • Orchestrating digital closings from mortgage processing agents
- • Scheduling RON sessions from notarization workflow agents
- • Tracking closing completion from loan pipeline agents
- • Managing eMortgage delivery from investor delivery agents
Not For
- • Non-mortgage real estate without mortgage closing workflow
- • Commercial real estate without residential mortgage digital closing focus
- • Simple e-signature without mortgage-specific RON and eMortgage compliance
Interface
Authentication
Stavvy uses OAuth 2.0 and API key authentication. Per-lender/title company credentials. Webhooks for closing events. REST API with JSON. Boston, Massachusetts HQ. VC-backed ($40M raised, Morningside Venture Partners, Greenspring Associates). Fannie Mae eMortgage approved. MISMO-compliant digital closing data standards. RON in 40+ states. Competes with Snapdocs, DocuTech, and Notarize for digital mortgage closing.
Pricing
Boston, Massachusetts. Founded 2018. VC-backed ($40M raised). Fannie Mae eMortgage approved vendor. MISMO digital closing standards. RON in 40+ states. iClose integration (eClose platform). Competes with Snapdocs (largest digital closing platform), DocuTech (document services), and Notarize for digital mortgage closing.
Agent Metadata
Known Gotchas
- ⚠ LEGAL RISK: Closing document errors create title defects; automated closing package preparation must validate all required documents and signature fields before delivery to borrower
- ⚠ RON state compliance — Remote Online Notarization is not legal in all US states; automated RON workflow must validate state-specific RON authorization before scheduling notarization session
- ⚠ eMortgage MERS registration — MERS eMortgage registration creates legal priority of lien; automated MERS registration errors create mortgage enforceability and title issues
- ⚠ Fannie/Freddie eMortgage acceptance — GSE eMortgage delivery requires MISMO-compliant eNote; automated eMortgage delivery must meet current GSE eMortgage delivery specifications
- ⚠ Closing disclosure timing — TRID requires 3-business-day waiting period after Closing Disclosure delivery; automated closing scheduling must enforce TRID timing requirements
- ⚠ Hybrid vs. full eClose — hybrid (some wet ink) and full eClose have different workflows; automated closing type selection must apply lender-configured eClose eligibility rules
Alternatives
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Scores are editorial opinions as of 2026-03-07.