For LendersTRID & Cure Management
TRID & Cure Management
Watches every disclosure clock, tracks fee tolerance and changed circumstance, and cuts the cure before it becomes a finding.
Every disclosure clock on every file, fee tolerance across the zero, ten percent and unlimited buckets, and the cure cut before the document goes out rather than after an audit finds it.
Every disclosure clock on every file, fee tolerance across the zero, ten percent and unlimited buckets, and the cure cut before the document goes out rather than after an audit finds it.
What it displaces
What it does
- 01
Watches every disclosure clock on every file — the three-day and the waiting periods
- 02
Tracks fee tolerance across zero, ten percent and unlimited buckets as fees move
- 03
Tests whether a changed circumstance actually supports a re-disclosure, rather than assuming it does
- 04
Cuts the cure before the document goes out, not after the audit finds it
What it leaves behind
- Initial LE deliveredday 2 of 3application 12 Mar
- Changed circumstance — rate lockloggedCC p.1 · §1026.19(e)(3)(iv)
- Appraisal fee, ten percent bucket$85 overLE v2 → CD v1
- CD received, three-day waitcleare-sign 08:14
Human-in-the-loop
No guesswork. Exceptions routed to humans
A timing question it cannot resolve from the file goes to your closing team, with the clock, the fee, the rule and the ledger & audit trail.
What it runs on
1 of 3Intake, income, condition clearing, Closing Disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Closing Desk
- QC Desk
The rest of the origination side
All 8 origination desks- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.
- 02POSThe borrower’s front door, inside the system.
- 03Document ConciergeGets the full document set before underwriting asks.
- 04Income DeskRep-and-warrant-eligible income, cited to the page.
- 05Conditions ManagerUpstreamCreates conditions against the guide, then clears them.
- 07Pre-Close QC AgentDownstreamEvery file before it funds, not a ten percent sample.
- 08Compliance AgentAcross all of themEvery loan-officer call scored, none sampled.
You Ain't Seen Nothin' Yet
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from