Yeah, I hear you—paperwork just piles up. I’ve moved a few times and lugging around old mortgage docs is a pain. Digital copies have worked for me too, especially when I needed to refi last year. Still, I wonder if there are rare cases where the original wet-ink signature matters? Maybe for super old loans or some weird title dispute... but honestly, for most stuff these days, digital seems fine as long as you’ve got solid backups. Anyone ever actually get asked for paper originals after closing?
Honestly, you’re not alone—paperwork is the bane of anyone who’s been through a few closings. I’ve got boxes in storage that I swear are just old HUD statements and loan docs. Digital copies have saved me a ton of hassle, especially when an underwriter wants to see something from years back. That said, I actually did run into a situation once where the title company wanted the original note with the wet signature. It was for a property from the early 2000s, and apparently the lender had some weird policy about needing the physical doc for payoff verification. Super rare, but it made me glad I hadn’t tossed everything.
For most modern deals, digital is more than enough—just make sure those backups are secure and maybe keep the truly original stuff for any properties you’ve owned a long time or inherited. But yeah, 99% of the time, nobody cares about the actual paper. Just that one oddball scenario caught me off guard.
