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
You might also like
Conduct thorough, documented customer risk assessments using structured compliance decision trees aligned with FinCEN, OFAC, and BSA standards. You'll evaluate customer information, identify regulatory red flags, determine appropriate risk classifications, and generate audit-ready documentation that demonstrates defensible decision-making during regulatory examinations. This skill accelerates due diligence while reducing compliance gaps and creating the paper trail regulators expect.
by eternaljust
This skill guides you through SAR preparation with structured compliance validation, ensuring your filings meet FinCEN requirements and withstand regulatory examination. You'll validate mandatory fields, risk-score transactions against BSA/AML thresholds, document investigation procedures for audit defensibility, and cross-check against common rejection reasons that delay filing. The skill helps you align documentation across Operations, Risk, Compliance, and Legal teams to ensure timely, accurate SAR submission within the 30/60-day timeline.
by eternaljust
You can submit loan application materials—financial statements, credit reports, business plans, and collateral documentation—and receive a structured underwriting memorandum that assesses creditworthiness across institutional standards. Claude extracts key financial metrics, calculates debt service coverage ratios, identifies material risk factors, and documents lending recommendations with rationale suitable for credit committee review and regulatory examination.
by eternaljust
You get proven templates, decision trees, and frameworks to design complete business automation systems from scratch. Cut implementation time by 70%, reduce manual work by 80%, and build processes that scale across your entire organization without custom coding or guesswork.
by eternaljust
You can systematically evaluate customer risk profiles using a consistent methodology that integrates beneficial ownership verification, customer intelligence gathering, and risk scoring. The framework guides you through determining whether baseline CDD or enhanced due diligence is required, documents your decision rationale in audit-trail format, and generates compliance-ready files that satisfy regulatory examination standards.
by eternaljust
You can rapidly process consumer loan applications by analyzing creditworthiness across multiple dimensions—debt ratios, credit patterns, employment stability, and compensating factors—while documenting decisions for audit trails and fair lending compliance. The skill identifies red flags, calculates risk scores, and produces underwriting summaries that justify approval or denial decisions to compliance teams and loan committees.
by eternaljust
Systematically identify chart patterns and validate them using technical confluence scoring. You get actionable trade setups with entry/exit levels and risk/reward analysis based on multiple indicator confirmation. Filter false signals and improve your trade quality by combining technical indicators in a disciplined framework.
by eternaljust
You can apply a structured risk assessment framework to transaction alerts, consistently scoring suspicious activity against regulatory expectations and internal thresholds. Claude helps you triage alerts efficiently, document decision rationale for examination readiness, and classify activity by risk level to prioritize investigations and determine SAR filing obligations while minimizing time spent on false positives.
by eternaljust