Mortgage paperwork used to feel like a stack of signatures, stamps, and patience. Now, a quieter shift has started reshaping how lenders process one of the most important legal tools in home financing: the power of attorney form. Mortgage servicers increasingly reject POA documents that do not include digital clauses, even when the paperwork looks complete on the surface.
This change catches borrowers, real estate agents, and even attorneys off guard, especially during time-sensitive closings. The ripple effects stretch across approvals, refinancing timelines, and property transfers, creating delays that feel frustratingly avoidable.
