Frequently Asked Questions Answered
Brokers and Lenders Support Centre
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Most Asked Questions
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Explore our comprehensive FAQ section to streamline your experience, gain valuable insights, and ensure smooth and efficient interactions with our system. If you need further assistance, our dedicated support team is always here to help.
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LIXI
At Green Mortgage Lawyers, we are committed to driving efficiency in lending through innovation, compliance, and an enhanced customer experience. Our LIXI FAQ section is designed to provide brokers and lenders with clear, comprehensive answers to frequently asked questions about the LIXI standard and our API systems. Whether you’re seeking guidance on our LIXI eInstruction API, need help with error resolution, or are exploring ways to optimise your data handling processes, these frequently asked questions (FAQs) will help support you.
GML was one of the pioneering firms to adopt and advocate for the LIXI standard for data exchange in instruction processing. The LIXI standard ensures that instruction data is consistently formatted, reducing errors and making instructions clear and unambiguous.
To support this, GML has developed a LIXI instruction portal for our clients. This portal serves as a test environment while your team prepares to use LIXI-compliant messages for instructing us via our API. Implementing LIXI formatting in a loan origination system can be complex, so having access to a test system is crucial for a smooth transition.
We offer two systems:
- Test System: For clients to test and refine their LIXI integration.
- Production System: For live transactions once your system is ready.
This setup ensures a seamless adoption of the LIXI standard.
We offer online demonstrations via Teams at various times throughout the business day. To schedule a live test and demonstration, please contact our team to arrange a suitable booking.
To book a live LIXI test and demonstration, Click Here>>
The LIXI standard, or format specification, is a schema that defines the structure and organisation of data for financial applications, such as new lending or mortgage discharge applications.
In this context, a schema is a formal framework that specifies how data should be formatted, arranged, and interpreted. It acts as a blueprint for how information is structured within a document or message. This allows for consistent and accurate data exchange between systems.
The LIXI schema ensures that application data is organised into a document or message that can be automatically transmitted over the web to our systems. Our systems are designed to accurately receive and interpret these documents and their data.
By defining the positions and types of data within a LIXI compliant document, the schema eliminates ambiguity, enabling us to automate the distribution of data to our mortgage origination system. The LIXI standard details how data should be divided into sections and common sets, and specifies types such as dates, numerical values (e.g., interest rates), and alphanumeric data (e.g., property addresses and party names).
The GML LIXI API Gateway is a critical component of our system, designed to handle LIXI instructions efficiently.
In technical terms, an API (Application Programming Interface) is a set of protocols that allows different software systems to communicate with each other. In this case, our API acts as a web service that listens for incoming LIXI instructions.
When a LIXI-compliant message is sent to our API, it performs several key functions:
- Identification: The API verifies which registered and authenticated client has sent the message.
- Message Type: It determines the type of message, such as a new loan application or a mortgage discharge request.
- Processing: Based on the type of message, our systems trigger downstream automation processes to handle the instruction accordingly.
If the instruction meets LIXI compliance standards, the API sends a success message back to the sender. If the instruction does not comply, an error message is generated and displayed on the client instruction portal for further analysis or correction.
This setup ensures that LIXI instructions are processed accurately and efficiently, facilitating smooth operations and timely updates.
When the GML LIXI instruction API receives a message, it is validated against the latest LIXI schema to ensure proper formatting and compliance. If the message does not meet LIXI standards, our system generates a detailed error report.
Here’s how you can identify and resolve errors using the LIXI Validator:
- Error Detection: The LIXI Validator checks the incoming message against the LIXI schema for any formatting issues or compliance errors.
- Error Reporting: If the message is not LIXI compliant, an informative error message is displayed on the instruction portal. This message provides specific details about what is wrong with the submitted data set, such as formatting issues, missing fields, or incorrect data types.
- Error Resolution: Review the error message in the instruction portal to understand the issues. Correct the errors in your dataset based on the provided details and resubmit the message for validation.
This process ensures that you can quickly identify and address any issues, maintaining the accuracy and compliance of your LIXI submissions.
GML provides comprehensive support for clients wishing to use our automated LIXI system. We work very closely and proactively with any clients instructing via our system. Our services include:
- Authentication Setup: We establish both test and production authentication records using Microsoft Entra for all software teams. This setup enables teams to submit and view instructions and any associated errors easily and immediately.
- Proactive Assistance: We collaborate with teams to assist in data preparation, offering guidance on how to format and describe data according to the LIXI schema for the typical instructions we handle.
- Error Resolution Support: We provide support in identifying and resolving issues related to data formatting and compliance, ensuring a smooth transition from testing to live operation.
By providing these services, we ensure that clients can effectively test, validate, and implement their LIXI API instructions with confidence and efficiency.
If the instruction sent to the GML e-Instruction API successfully passes LIXI validation, the portal will display all the data parsed and neatly formatted for analysis, viewing, and printing. Parsing in this context means that the raw instruction data is extracted and organised into a structured format, making it easier to read and understand. This immediate feedback provides software development and business teams with the fastest possible turnaround on processing and results, allowing for prompt review and action.
DocuSign
To streamline your loan process and make it faster, simpler, and more cost-efficient, Green Mortgage Lawyers partners with DocuSign to offer digital signatures for your electronic agreements. With DocuSign, you can sign documents confidently and intuitively from virtually any device. Explore these FAQs about DocuSign and find answers to common questions about the DocuSign process and ensure a smooth, hassle-free experience. You can also download Docusign manual here>>
Here’s a step-by-step guide to help you sign your loan documents using our secure online platform:
- Access Your Device:
- Ensure you have a device with internet access. This can be a PC, phone, or tablet.
- Ensure you have a device with internet access. This can be a PC, phone, or tablet.
- Log In to the Secure Platform:
- Visit our secure online portal where your loan documents are available. Log in using your credentials.
- Initiate the Signing Process:
- Locate the loan documents that require your signature. Follow the instructions to start the signing process.
- Locate the loan documents that require your signature. Follow the instructions to start the signing process.
- Obtain SMS Authentication Code:
- At the time of signing, make sure you have your registered mobile phone number with you. You will receive an SMS with an authentication code.
- Enter this code when prompted to verify your identity as part of our two-factor authentication process.
- Review and Sign Documents:
- Carefully review all documents. Once you’re ready, follow the on-screen instructions to add your electronic signature.
- Carefully review all documents. Once you’re ready, follow the on-screen instructions to add your electronic signature.
- Complete the Process:
- After signing, ensure that you confirm and submit the documents as instructed. You will receive a confirmation once the process is complete.
By following these steps, you can sign your loan documents quickly and efficiently while ensuring the highest level of security.
Here’s how to manage documents needing both types of signatures:
- Follow the Signing Instructions: You will be guided through the process for both electronic and wet ink signatures. The platform will indicate which documents require physical signatures.
- Access a Printer: It’s recommended to have access to a printer during the signing process to print any documents needing wet ink signatures.
- Download and Print Later: If you don’t have immediate access to a printer, you can download the documents and print them at a later time.
This approach ensures you can complete all required signatures efficiently, whether electronically or physically.
If you prefer not to sign electronically, you can easily opt out of the eSignature process. Here’s how:
- Opt-Out Option: At any time, you can choose to decline electronic signing by selecting the ‘Decline to Sign’ option in the “More Options” menu.
- Explore Alternatives: Once you’ve opted out, you can discuss alternative signing methods with your lender or broker to complete the required documentation in a manner that suits you.
This flexibility ensures that you can proceed with your loan process in a way that best meets your preferences.
Hot Tips:
- Print Before Opting Out: We recommend printing your documents before opting out of electronic signing. Declining to sign electronically will void all electronic loan documents.
- Re-Issuance Required: If you choose to opt out, Green Mortgage Lawyers will need to re-issue your loan documents. They will be sent via an alternative method, such as email or post.
Docusign Instructions for Borrowers:
- Opt-Out Warning: Before choosing to opt-out of signing, a warning message will appear.
- Declining to Sign: If you wish to decline signing the document, simply select ‘Continue’ after viewing the warning.
- Requesting Changes: If you need to request changes, select ‘Finish Later’, and contact the sender to discuss any necessary adjustments.
Borrowers will need to select a reason for declining to sign and then click ‘Decline to Sign’.
Follow these GML troubleshooting steps to ensure you get access to your documents promptly:
- Check the junk or spam folder. If the DocuSign email is found there, mark it as not-junk or not-spam. • Confirm the email address with the recipient.
- Ensure that the recipient’s email settings allow emails from docusign.net, as DocuSign notifications may be blocked by the email server, firewall, provider, or client.
- If the above steps are completed and you still haven’t received the email, call GML, and our staff will resend the link.
- Each recipient receives their email notification only after the previous recipient has completed their action. The first borrower listed on the lender instructions will receive the loan document link first.
NOTE: GML processes documents in the order specified in the lender’s instructions. Changing the order after the documents have been issued will require redocumentation and may incur additional fees.
- Yes, you can still sign your documents if you provide an overseas mobile number or ensure that international roaming is activated on your mobile. GML can issue the documents to you for electronic signing. If any documents require witnessing, additional DFAT/Notary documents will need to be signed by the appropriate witness.
Yes, multiple signing parties can use the same email address. However, each party must have a unique mobile number for SMS authentication, as our two-factor identification process requires distinct numbers for each signer.
Before signing your first document, you’ll need to adopt a digital signature. Each signature is assigned a unique serial number or GUID (Global Unique ID) which forms the digital signature. To sign the document, click ‘Adopt and Sign’.
Tip: Electronic signatures, like paper and ink signatures, are legally binding.
When you first select a SIGN or INITIAL field, you’ll be prompted to adopt a signature and initials. Verify that your name and initials are correct. To make changes, enter the correct information in the Full Name and Initials fields.
You can then choose to select a preformatted signature style or draw your own signature.
Note: If a borrower has previously used this email address for another person, they will need to update their signature to reflect the correct name and initials. Otherwise, it will default to the last name used for that email address. For instructions on how to change your signature or adopt a custom signature, please see the following link:
After receiving unconditional approval, a paralegal from Green Mortgage Lawyers will contact you via email within 24 to 72 hours. This ensures you get timely and efficient updates on the next steps in your process.
