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Consumer Financial Protection Bureau (CFPB)


Texas Home Equity - 50(a)(6)


Service Ordering Instructions with Loan Origination Software

Please contact us for instructions for other loan origination software systems. Our Docs on Demand system is customizable to facilitate transfer of loan data with publicly available and proprietary loan origination software.

Request to Reset Tolerance and Increase Fees in Closing Disclosure Form

Document Preparation and Fulfillment Services - Reference Documents

Docs on Demand

What is Docs on Demand

The Docs on Demand Closing Document System is a Web-based, multi-client, mortgage closing document delivery system.

Data Entry: Mortgage closers can enter data or import data from a variety of commercially available loan origination systems. Data entry is performed on a web browser, and requires no special software other than the web browser and an internet connection. All system maintenance, software, documents, and updates are administrated centrally.

Business Rules: A business rules database contains tables of business policies and contact information for multiple investors, brokers, and correspondents, as well as for other loan policies that vary with states, agencies, loan products, fees, and documents. The business rules database controls everything in the loan package, including the layout of data screens, the available loan products, the loan fees, the selection of documents to be printed, validation formulas, and much more.

Document Production: The resulting disclosures, notes, riders, security instruments, and other documents are packaged in Adobe PDF format for quality control and distribution to the point of closing. Document packages are distributed over a secure download site with email notifications sent automatically to single or multiple parties.

Tracking: The stages of processing, funding, quality control, and document delivery are traced by the program in a time-stamped record showing the time, date, and closer performing each operation. Billing for the services allows for line items within each loan either to be billed at closing or to be invoiced cumulatively to the lender.

Reliability: Docs on Demand is hosted in a secure physical plant, located in Houston on the "Internet Backbone", with generator power backup and full building security. The system is available to users 24 x 7, to accommodate any working schedule as well as last minute document updates.

Customization and Updates: The data entry screens, validation rules, and document selection are all created with an "Application Authoring System", which allows modification to all these features on a day-to-day basis without the need to re-write programming code.

Security: Each closer, administrator, and other parties operating the application are set up with a specific username and password by a system administrator. Each loan file contains tracking information that traces the time, date, and user performing data modifications and producing documents for that loan.