Mortgage Documentation Compliance Validator
Validate mortgage closing documents against regulatory requirements and flag compliance risks
What You Can Do
You can validate complete closing packages against federal and state regulatory requirements, ensuring all required disclosures, forms, and supporting documents are present and correctly completed. The skill identifies missing documentation, flags mathematical errors and date mismatches across documents, and highlights deviations from acceptable formats or standard language that could trigger compliance issues. This prevents documentation delays, regulatory penalties, and liability exposure before files reach underwriting or the closing table.
Features
confirms all required forms, timelines, and disclosures are present and properly completed
checks for required state mortgagee/creditor disclosures, homeowner insurance statements, and local compliance documents based on loan location
flags mathematical errors, date mismatches, rate discrepancies, and contradictory information between Closing Disclosure, Note, Mortgage, and supporting documents
generates a prioritized list of absent or incomplete documents needed to move the file forward
alerts you to non-standard language, missing initials/signatures, calculation errors, and format deviations that could trigger regulatory scrutiny
validates documentation requirements for purchase transactions, refinances, cash-out refis, and reverse mortgages
produces a detailed validation report with clear findings, risk levels, and remediation steps for each issue identified
confirms closing documents meet specific investor requirements for loan delivery and secondary market sale
Example Output
Input: Mortgage closing package for a cash-out refinance in Texas
Output:
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✅ TRID Compliance: Closing Disclosure present, signed, dated 3+ days before closing
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⚠️ Documentation Gaps:
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Texas Property Code §5.0061 Creditor's Notice — MISSING
-
Title Commitment/Insurance Binder — MISSING
-
Homeowner's Insurance Declaration Page — MISSING
-
❌ Consistency Errors:
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Closing Disclosure loan amount ($287,500) does NOT match Promissory Note ($285,000)
-
Interest rate on CD (6.5%) conflicts with Note (6.25%)
-
Appraisal value on CD shows $385,000 but LTV calculation uses $380,000
-
🚩 Compliance Risks:
-
Borrower initials missing on Closing Disclosure pages 1 and 5
-
Cash-out amount on CD not clearly itemized per TRID requirements
-
Title insurance policy language contains non-standard exception language (review with underwriter)
What's Included
- SKILL.md: Complete validator framework with regulatory reference standards
- TRID Compliance Checklist: Federal and state disclosure requirements by loan product type
- Cross-Document Validation Matrix: Key data points to verify across Closing Disclosure, Note, Mortgage, and supporting documents
- State-Specific Disclosure Requirements: Reference guide for required documents by state and loan type
- Compliance Risk Assessment Template: Standardized format for documenting findings and remediation priorities
- Closing Package Validation Report Template: Formatted output for quality control, underwriting review, and investor delivery
Who It's For
- Mortgage processors — validating incoming closing packages before quality control or underwriting review
- Loan closers/closing attorneys — confirming document completeness and compliance before closing appointments
- Quality control reviewers — conducting pre-delivery compliance audits on completed loan files
- Compliance officers — developing standardized validation workflows and identifying systemic documentation gaps
- Loan underwriters — spot-checking closing packages for compliance issues before final approval
Best For
- Pre-closing document validation and gap analysis
- TRID compliance verification across federal and state requirements
- Cross-document consistency checks (rate, amount, dates, calculations)
- Investor guideline alignment verification for loan delivery
- Compliance risk identification and remediation prioritization
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