Closing Disclosure Variance Check Agent

Borrowers get a loan estimate early and a closing disclosure days before closing, and some fees change in between. Some may change by rule only within a set tolerance. Few people compare the two line by line. This agent reads both documents, matches each fee, and calculates the change. It checks each against the tolerance category: no tolerance, ten percent in total, or unlimited. It flags the changes beyond tolerance and drafts a question to the lender asking for the reason and any cure. After the lender replies, it rechecks the corrected figures. It also prepares a plain message to the client explaining the changes. The broker approves client messages. Edge case: the borrower chose a different title company, so the agent moves those fees to the tolerance group that applies.