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.
What it displaces
The invalid cures, wrong baseline resets, incorrect tolerance, nobody caught until closing.
A closing table where the cure is already cut, CIC managed, baseline resets with audit logs and the clock is already counted.
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
Tolerance tested against §1026.19(e)(3) before the file closes
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.
How a decision is made and provedWhat it runs on
1 of 3- Document Intelligence
Intake, 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 9 origination desks- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.
- 02POSThe borrower’s front door, inside the system.
- 03Indexing AgentEvery page split, named and filed the moment it lands.
- 04Document ConciergeGets the full document set before underwriting asks.
- 05Income DeskRep-and-warrant-eligible income, cited to the page.
- 06Conditions ManagerCreates conditions against the guide, then clears them.
- 08Pre-Close QC AgentEvery file before it funds, not a ten percent sample.
- 09Compliance AgentEvery loan-officer call scored, none sampled.
You Ain't Seen Nothin' Yet
Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from
Case study highlight
Loan review fell from 4 hours 50 minutes to 47 minutes per file, and 78% of items now clear at high confidence — so QC touches only the exceptions.
Pre-Close QC Agent · Better Mortgage— read the case study