Mortgage Closing Document Validator
Validate mortgage closing documents for compliance and accuracy before execution
What You Can Do
You'll validate complete closing document packages against TRID, RESPA, TILA, and state-specific requirements in a structured, auditable process. The skill checks document completeness, cross-references borrower information across multiple documents, verifies signature blocks and initials, confirms effective dates and timelines, and identifies title issues or escrow setup problems—all before documents reach borrowers or closing.
Features
Checks adherence to TRID, RESPA, TILA, and state-specific mortgage regulations with audit trail documentation
Systematically verifies all required closing documents are present and properly executed
Confirms borrower names, loan amounts, property details, and terms match consistently across all documents
Identifies missing signatures, initials, dates, and notarization gaps before closing
Reviews title commitment clearance items and insurance policy setup for closing readiness
Ensures Closing Disclosure delivery meets TRID 3-business-day requirement before closing
Verifies escrow account setup, cash-to-close calculations, and final cost alignment with earlier disclosures
Highlights construction-to-permanent phases, refinance timing differences, and wholesale/correspondent guideline variations
Example Output
Example 1: Standard Purchase Closing Validation
✓ Closing Disclosure — Delivered 3+ business days before closing
✓ Promissory Note — All signatures, initials, dates present
✗ Title Commitment — Exception item #4 (easement) unresolved — FLAG FOR TITLE COMPANY
✓ Loan Estimate consistency — All dollar amounts reconcile with CD
✓ Borrower information — Name, SSN, employment verified across 8 documents
⚠ Homeowners Insurance — Binder received but policy effective date is 1 day after closing — REQUEST UPDATED BINDER
✓ HOA documents — Resale certificate on file (if applicable)
Status: READY FOR CLOSING — 1 item requires resolution before final execution
Example 2: Refi Closing with Disclosure Update
✓ Initial Closing Disclosure — Delivered Day 1
✗ Updated Closing Disclosure — Delivered Day 4 due to rate change
⚠ TRID VIOLATION — Updated CD requires new 3-day waiting period. Closing must be postponed 3 business days.
✓ Payoff statement — Current as of closing date
✓ All signatures — Notarization verified
Status: CLOSING POSTPONEMENT REQUIRED — Reschedule for [DATE]
What's Included
- SKILL.md: Complete validation framework and regulatory reference guide
- Closing Document Checklist: Comprehensive list of required documents by loan type (purchase, refi, construction-to-perm)
- Compliance Verification Matrix: TRID, RESPA, TILA, and state-specific requirements cross-reference
- Disclosure Timing Calculator: Tracks Closing Disclosure delivery dates and 3-business-day countdown
- Exception Flagging Template: Standardized format for documenting unresolved issues and required remediation
Who It's For
- Mortgage Processors — Validate document packages before sending to borrowers to reduce compliance risk
- Mortgage Closers/Settlement Agents — Verify all documents are complete and accurate before closing table execution
- Quality Assurance Reviewers — Conduct post-closing file audits and compliance verification
- Compliance Officers — Monitor document validation consistency and identify systemic compliance gaps
- Loan Servicing Teams — Validate files during acquisition reviews and investor delivery
Best For
- Pre-closing document validation and compliance verification (3 business days before closing)
- Closing Disclosure delivery timing and TRID requirement compliance
- Multi-document borrower information reconciliation and consistency checks
- Title commitment exception tracking and resolution status
- Exception flagging and remediation workflow management before closing execution
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