What is the eMagic Message Center?
The eMagic Message Center is an online communication hub, similar to a message board, that allows everyone involved in your mortgage loan to securely exchange information. You can post messages and fax and upload loan documents for each other to access, speeding up the processing of your loan.
These instructions illustrate correspondence between a borrower, Suzi Builder, and her mortgage originator (or loan officer), Joe Originator.
How do I reach the Message Center?
Your introduction to the Message Center will be an email message notifying you that your account has been created by your loan originator or lender.
In the email is your login ID (which is your email address) and a link to the Message Center. Click the link to reach the Message Center.
How do I log in to the Message Center?
After clicking the link in the above email you reach the Message Center Log In page. Enter your login ID (which is your email address). Click Enter.
How do I create a profile?
After logging in for the first time, you reach the Message Center Profile screen. Create a password and answer all three identity verification questions. If you ever forget your login information, the Message Center will ask you these questions to retrieve it. When you're finished, click Save.
(Note: Answers to security questions must not contain special characters.)
What does Message Center look like?
After you save your profile, you reach the Messages and Documents screen where you can see the newly posted message and any corresponding documents or document requests.
In the left-hand Message Box, you can search for unread messages or messages from a specific person.
The new message appears in the middle. In this instance, Joe Originator is asking Suzi Builder to review the documents that need her signature and to send them back via the Message Center. Below the message is the list of loan documents associated with the message. Joe is sharing the credit report with Suzi Builder, requesting her to sign the document(s) in the Signature Package, and requesting her 2008 Tax Returns. You can tell which documents require action by the Status in green.
How do I view a document?
In the Loan Documents section, there's a "View" column. Check the box next to the document you'd like to review and click "View" to open it. In order to sign documents that require your signature (Signature Package), you must first view it, print it, and sign it.
How do I return a document?
You may return documents by either uploading or faxing them into the Message Center. You do this in the Loan Documents section of the message post. Continue reading to find out how to upload or fax a document.
How do I upload a document?
In the Loan Documents section, there's an "Upload" column. Check the box next to the document you'd like to upload and click "Upload." If you don't already have an electronic version of the document, you will need to scan the document first.
Browse to locate the file on your computer, enter additional comments for the loan originator or lender (optional), and click "Finish."
You're taken back to the message screen. You'll know if the document is successfully uploaded by the "Received" Status next to the document type. In this case, Suzi Builder uploaded her Tax Returns successfully.
How do I fax a document?
First, turn off your web browser's pop-up blocker. In the Loan Documents section, there's a "Fax" column. Check the box next to the document you'd like to fax into the Message Center and click "Fax."
In order for the Message Center to associate your faxed document to the appropriate loan document requested, it needs to have a cover sheet. Message Center creates the cover sheet for you. Select one of the radio buttons, enter comments (optional), and click "Finish."
A fax cover sheet associated with that document opens.
Make sure you change the settings to print as an image. Then, print the cover sheet and fax it and the document(s) to the fax number listed on the fax cover sheet.
You'll know when you've successfully faxed the document into the Message Center by the "Received" Status in the Loan Documents section.
How do I reply to a message?
On the posted message, click "Reply" on the upper right. That leads you to the Reply to Message screen where you can type your message and click "Post Message."
Your message will appear along with any other messages you or the requestor posts.