Online Documents, Inc. announces ready-to-use SMART Document forms library for electronic mortgages

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HOUSTON (Feb. 24, 2003) - Online Documents, Inc., a subsidiary of Stewart Information Services Corp. (NYSE-STC), today announced the availability of a complete 50-state library of eMortgageDocs (SMART Documents) for all Fannie Mae primary mortgage products. Online's eMortgageDocs technology and forms library were developed over the past 20 months in conjunction with Fannie Mae and conform to Fannie Mae's emortgage delivery requirements released July 2002, and MISMO's approved SMART Document specifications for electronic documents.

"Online now offers an immediate, ready-to-use outsource solution for three-part XHTML mortgage documents," said Joan Ingham, president of Online. "While others continue to talk about the future possibilities of electronic documents, Online can actually deliver complete eMortgageDocs closing packages today. eMortgageDocs are available to Online's customers with a simple mouse click from any of Online's current document solutions."

Commenting on this important milestone, Harvey Trimble, managing director, eBusiness Strategy and Marketing, Fannie Mae, said, "In an effort to convert the promise of electronic documents into practical reality, Fannie Mae has worked cooperatively with Online Documents, Inc. to facilitate the creation of XHTML mortgage documents meeting both MISMO specifications and Fannie Mae's document technology requirements.

"Online and its parent Stewart Mortgage Information have worked diligently with us as a key solution provider in the SMART Documents space to help assure this advanced mortgage document technology reaches the marketplace in a practical, usable format," Trimble continued. "Thanks to these collaborative efforts, a ready-to-use, outsourced solution for XHTML documents is now available to all lenders."

Kevin Gugenheim, executive vice president and chief operating officer of Stewart Mortgage Information, said, "This breakthrough in providing a 100 percent outsource solution for eMortgage documents is the result of SMI's focus on improving the real estate transaction process by working in partnership with our lender customers and other industry players. Using the three-part XHTML form provided by Online as a base product, Stewart can provide comprehensive product and process solutions for lenders contemplating early entry into the electronic documents arena, making paperless closings a practical possibility."

Online will formally introduce its eMortgageDocs capabilities at the MBA National Technology & Mortgage Banking Conference & Expo in Orlando, March 9-11, 2003. Using Online's eMortgageDocs, lenders can create electronic processes to close loans with digital signatures and deliver these loans electronically to Fannie Mae for immediate purchase. Other benefits include post funding data verification, seamless boarding of servicing, and a variety of electronic reporting and monitoring purposes.

About Online Documents, Inc.
Established in 1988, Online Documents ( provides compliant mortgage documents and related services to lenders, nationwide. Online offers desktop installations for local lenders and more comprehensive 100 percent interface solutions for regional and national lenders.

About SMI
Incorporated in 1994, SMI ( is a leading provider of mortgage information and services that accelerate loan origination and improve the performance of the post-closing function. SMI offers its services to lenders based on the life cycle of the loan process - from origination through post-closing to servicing. Origination services include credit reports, title reports, flood determinations, collateral assessments, document preparation, centralized funding and other real estate information. The post-closing solutions include assignments, document retrieval, lien recordation, pool certification, full legal review, lien release and research. Customers nationwide rely on SMI's expertise and integrated technology to provide solutions for their settlement needs.

About Stewart
Stewart Information Services Corp. is a technology driven, strategically competitive, global real estate information company. Stewart provides title insurance and related information services through more than 6,400 issuing locations in the United States and several international markets. Stewart meets the needs of the real estate and mortgage industries through the delivery of information services required for settlement using e-commerce. These services include title reports, flood determinations, document preparation, property reports, background checks and online property auctions. Stewart also supplies post-closing services to lenders, automated county clerk land records, cadastral mapping services, and GIS for governmental entities. Stewart provides expertise in tax-deferred exchanges. More information about Stewart can be found at


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