In plain English
Some lenders request scanbacks so they can review the package before originals arrive.
Scans should be legible and complete.
Why it matters
Lenders often want to review signed pages before originals arrive so funding is not delayed. A blurry or incomplete scanback can mean a callback for a re-sign, which frustrates the borrower and pushes the closing.
Scanbacks also carry Social Security numbers, account details and signatures, so secure handling matters. A package left in a shared email inbox or an unlocked phone gallery is a privacy risk for the borrower long after the closing is done.
Worked example
After a signing, the agent scans each signed page and emails the package before shipping the originals.
What to do
- Read the closing instructions to see which pages to scan.
- Scan at a resolution that keeps small text readable.
- Check page order and count before sending.
- Send through the method the client specifies.
- Ship the originals on time as instructed.
Common mistakes
- Sending phone photos when the client wants a flatbed scan can lead to rejection.
- Missing a page in the scan can stall the lender's review.
- Emailing unencrypted files when the client requires a secure portal can create a privacy breach.
Not the same as: Recording
A scanback is a copy sent to the lender for review, while recording is the official filing of documents with the county. See Recording.
Go deeper
- What Is a Scanback and Why Do Lenders Ask for One?: A scanback is a scan of the signed loan documents sent before the originals arrive. Learn why lenders want it, what makes a good scan and common errors.
- What Happens After a Loan Signing? The Path to Funding: After the pen goes down, the signed package is reviewed, funded and recorded. Learn the order of events, typical delays and what you can do while you wait.
Related terms
- Self-proving affidavit: A sworn statement attached to a will that can simplify proving the will later.
- Signer: The person who signs the document and whose signature the notary is notarizing.
- Satisfactory evidence of identity: Proof, usually a government photo ID, that a notary relies on to confirm who the signer is.
Common questions
What is a scanback?
The scanned copy of signed loan documents a signing agent sends back, in addition to the physical return.
Can you give an example of scanback?
After a signing, the agent scans each signed page and emails the package before shipping the originals.
Do all loan signings require scanbacks?
No. The closing instructions say whether they are needed.
Should the agent keep copies of the scans?
Many clients forbid it for privacy reasons. Follow the client's instructions and state rules.
General information, not legal advice. Rules vary by state and change; check with your state's commissioning office.