With eMortgage with electronic closing, the loan documentation is converted to eXtensible Markup Language (XML), which allows the loan information and the forms to be stored separately. This is similar to using HTML and CSS in a blog. The entire mortgage lending and electronic closing process is automated and streamlined. This is good news for lenders and borrowers. This is great news for the Earth! Support eMortgages, from our sponsors at Encomia.com.