Clearance Check

A closing file arrives as seven documents written by seven different parties, and they disagree with each other more often than anyone would like. The deed reads Block 3 where the commitment reads Block 8. The payoff is good through the fifteenth and the money moves on the eighteenth. The contract vests the buyers as husband and wife; the deed vests them as joint tenants. Each of those is a closing that stops on the day it was meant to happen, and finding them is careful repetitive reading done under time pressure.

Clearance Check reads a file's purchase contract, commitment, deed, closing disclosure, payoff letter, estoppel and lender closing instructions, compares them against each other, and produces a list of discrepancies and outstanding items. Every value it reads carries the page it came from and the exact words on that page, and every one of those quotes is searched for on that page in code before it counts for anything. A quote that cannot be located is marked unverified, and no comparison will use it — it can never become a finding and it can never become a clear.

Seven comparisons run across the file: payoff currency against the disbursement date, legal description across commitment and deed, vesting across contract, deed and closing disclosure, Schedule B-I requirements, lender conditions, estoppel validity against the closing date, and a summary of everything still outstanding. Requirements that no document could ever satisfy — an instruction to pay a premium or a tax — are identified and set aside rather than judged. Evidence that merely looks like proof is refused: a payoff statement names the mortgage and the amount and says the release will follow, and the check will not accept it as proof that the release happened.

Content that must never be stored is caught in the extracted text before a single byte reaches storage. If it is found, the upload is refused outright, nothing is written, and the record of the refusal names the pattern without repeating what it matched.

Every item is approved or dismissed by a person. The approved items become a one-page clearance review with its sources cited, ready to go in the file. The tool is then scored against the reviewer's own independently marked list — how much it caught, and how much of what it flagged was real.

What it never does: wires or wire instructions; disbursement or release of funds; identity or fraud decisions; final title or legal judgment; any change to a production file without your reviewer. It lists and cites. A person decides.

Each engagement runs in its own environment, two-factor authentication on every route, a full append-only audit trail, and a single action that empties storage, clears every table and records the deletion.