SMART Doc® V3 eHELOC Specification

MISMO published the SMART Doc® V3 eHELOC Specification as Candidate Recommendation status on September 9, 2025. This standard was developed to meet requests for natively created electronic documents to support the growth of home equity lines of credit (HELOCs).  The use of the MISMO SMART Doc provides assurance that loan documents and associated data are consistent, reliable, and unaltered.

The SMART Doc® V3 Verifiable Profile allows document data to travel with the PDF and then be automatically verified with the document image.  

Access Information for Members

MISMO Members can access the work product in the Resource Library housed on MISMO's Collaboration Site, "MISMO Connect"  here


Access Information for Non-Members

Non-MISMO members can access the work product here

Disclaimer

MISMO Disclaimer