How should a bank handle situations where the loan documents have one date and the borrower’s e-signature is a different date when either signing on an IPad in person or by e-Sign?

Example 1: The bank is open on Saturday with limited business functions. A borrower wants to close on their Heloc that day. The loan documents (note, mortgage, & ROR) are dated as of Monday, May ,1 and the borrower’s e-signature is dated as of Saturday, April 29.

Example 2: The LO sends the Heloc loan documents (note, mortgage, & ROR) via e-Sign on Monday, May 1, and the borrower does not complete the e-signature until Wednesday, May 2.