Docmint reveals what matters across every transaction document
Undetected inconsistencies between deeds, settlement statements, and title commitments become claims, and single-document review never sees them: deed legal descriptions that contradict title commitment exhibits, vesting discrepancies between closing disclosures and recorded instruments, and escrow calculations that fail to reconcile across the HUD-1 and wire instructions.
Docmint validates closing packages before policy issuance and scans closed policy archives for pattern exposure across past transactions. Pre-closing alerts prevent faulty issuance, while post-closing analysis identifies recurring risk by transaction type, underwriter, or jurisdiction, with documented validation ready for underwriter submission.
Every claim prevented before it reaches the policy.
Compliance violations trigger repurchase demands when manual review misses defects spanning deeds, notes, and disclosure packages: income documentation that contradicts loan application disclosures, ATR/QM violations when debt ratios fail to reconcile between the 1003 and closing package, and TRID timing failures when disclosure dates conflict across the loan estimate and closing disclosure.
Pre-funding validation detects violations before closing and flags which originators and loan types produce recurring defects. After closing, Docmint supports servicing-transfer due diligence, portfolio audits for regulatory examination, and repurchase-defense documentation backed by transaction-level validation records.
Repurchase risk caught at funding, defensible for the life of the loan.
Individual document defects become portfolio-wide risk when patterns cluster across properties. REITs forfeit tax-advantaged status when ownership structures fail IRC Section 856 requirements. Commercial loan servicers face covenant violations when borrower deed recordings do not match loan documentation. Private-equity acquisition targets carry hidden title defects that materialize post-closing as uninsurable claims.
Docmint validates portfolios during acquisition due diligence, audits existing holdings for concentration risk, and prepares documentation for lender reporting, with IRS filing support for IRC Section 856 (Under Development). Across property types, it identifies the pattern violations that prior reviews missed: deed recording dates that breach 1031 exchange windows, ownership vesting inconsistencies across multi-property portfolios, property classification mismatches between deeds and loan covenants, and title defects carried over from earlier acquisitions.
Portfolio risk priced and documented before it reaches the balance sheet.