AI for title and escrow
Load the closing folder with the recorded deeds, the search package, the payoff letters and the draft CD. It produces the runsheet, the commitment’s requirements and exceptions, the settlement figures and the signature packets.
ALTA-vs-CD-1610-Revere.xlsxExample| Line | ALTA seller | Lender CD | Difference | Finding |
|---|---|---|---|---|
| Sale price | 485,000.00 | 485,000.00 | 0.00 | The sale price ties. |
| Commission, 5.5% | 26,675.00 | 26,675.00 | 0.00 | The commission ties to the listing agreement. |
| Payoff, first deed of trust | 212,418.40 | 211,962.10 | 456.30 | The CD payoff is good through June 2, ten days of per diem short. |
| County taxes, Jan 1–Jun 12 | 2,608.00 | 2,608.00 | 0.00 | The proration ties at $16.00 a day on the 2025 bill. |
| Owner’s policy | 1,912.00 | 1,912.00 | 0.00 | The premium ties to the filed rate for $485,000. |
NoteSend the lender the June 12 payoff of $212,418.40 so the revised CD matches the ALTA before signing.
Ask it for
“Build the runsheet for 118 Mowbray Lane from the deed images, back to the root of title, and flag breaks in the chain and unreleased deeds of trust.”
Runsheet-118-Mowbray-Lane.xlsx“From the vesting deed, draft the commitment with Schedule A, requirements from the payoffs and the heirship affidavit, and each exception tied to book and page.”
Commitment-118-Mowbray.docx“Balance the seller ALTA statement against the lender’s final CD for 1610 Revere Street and list every line that does not tie.”
Alta-vs-CD-1610-Revere.xlsx“Set up the payoff ledger for the two deeds of trust with per diem interest and good-through dates, plus the HOA estoppel’s assessments, fines and transfer fees.”
Payoff-ledger-1610-Revere.xlsx“Make the closing checklist from the commitment’s requirements and the lender’s conditions, with an owner and a due date on each line.”
Closing-checklist-Revere.xlsx“Prepare the quitclaim deed that clears the ex-spouse’s 2014 interest, and list every other curative item still open on the commitment.”
Quitclaim-Telford-curative.docx
Inside the Title & Escrow mode
Title examination and commitments
Builds the runsheet from the recorded instruments, drafts Schedule A and both parts of Schedule B, and cites the book and page behind every entry.
Settlement statements and escrow instructions
Reconciles the ALTA statement to the lender’s final CD, works up the payoff and disbursement ledger. Escrow instructions include wire callback controls.
Closing checklists and signature packets
Turns the contract and commitment into a closing checklist with owners and dates, then assembles signature pages, the recording package and the closing index.
Real estate transaction documents
Drafts deeds, affidavits of title, estoppels and SNDAs in the format your office uses.
- Office skills
- Excel, Word, PowerPoint, PDF
- Tools
- Read, edit and write files, Search files, Run code, Search and read the web, View images
- Connectors
- SharePoint, Google Drive, Gmail, and additional custom connectors
- House style
- Your fonts, layouts and rules, on every file
How it works
- 1
Set up the closing folder
The folder holds the recorded deeds and mortgages from the county portal, the abstractor’s search package, prior policies, the survey, the contract, payoff letters, the HOA estoppel and the lender’s draft CD, kept in the file’s own order.
- 2
Work the file one piece at a time
Ask for the commitment from the examiner’s notes, the ALTA statement tied out to the final CD, the closing checklist, escrow instructions or the signature packet. Each file comes back in the office’s own template and cites its sources.
- 3
Examine it, then decide
Re-run the buyer and seller names, re-verify the vesting and check every figure, then run the bring-down the week of closing before anything records or disburses. The examiner signs the commitment and the escrow officer authorizes the wire.
Who it’s for
Title examiners, abstractors, title officers, and escrow and closing officers at title companies, agencies and attorney closing offices.
Questions
Will it catch every open lien?
No, it flags a lien only when it can trace it to a document, and anything it cannot find is reported as a gap instead of a guess. What comes back is not yet a clean exam, so search the buyer and seller names again in the grantor and grantee indexes and confirm the vesting deed yourself before you sign the commitment.
Where does borrower and seller data go when it runs?
Ultramarine Work changes files only in the project’s folder. When a request needs it, it can read files elsewhere on your computer, never passwords, keys or app data, and you can turn that off in settings. The model runs on Paper Instruments’ servers, so the content it works on is sent there to be processed. Paper Instruments is SOC 2 Type II, and our security and compliance details are on our compliance page. Whether that fits your Safeguards Rule program is your compliance team’s call.
Does it decide whether title is insurable?
No, insurability is an underwriting judgment. It lays out the defects it finds and drafts the requirements and exceptions for the examiner or title officer to weigh, and the underwriter decides what it will insure. Quiet title, probate and similar curative judgments belong to counsel.