; Whereas the digitization of property data has helped to streamline and automate more accurate valuations; Whereas certain markets may continue to necessitate physical appraisals for different types of construction, lot sizes, amenities, age, and other factors; Whereas nonuniform State rules create a barrier and uncertainty for investors considering purchasing digital mortgages; Whereas State and local governments should focus on harmonization, including adoption of model laws that could be uniformly adopted by States; and Whereas the Federal Housing Administration, Fannie Mae, Freddie Mac, and the Department of Veterans Affairs already allow for the use of electronic signatures on mortgage documents insured or guaranteed by their programs, and the Government National Mortgage Association (Ginnie Mae) is in the process of permitting the use of eNotes for loans included in securities it guarantees: Now, therefore, be it