Five resolution paths
Release/satisfaction, payoff & reconveyance, corrective/confirmatory deed, affidavit (heirship/identity/scrivener's error), subordination/partial release — all documented, or the file does not release.
The most rigorous curative clearance a title agency can buy.
Title Curative Clearance Engine assembles a documentation-complete curative file — every exception resolved, every release obtained, every instrument drafted, and every recording confirmed — checked against ALTA standards and state-specific requirements before a specialist releases it.
Every exception type: release, payoff, assignment, affidavit, subordinationFive curative resolution paths, gate-checkedDHSMV · USCG · UCC · judgment lien searchesSpecialist release on every file5-business-day SLA
Why files stall
A single unresolved exception can delay closing for weeks.
A title commitment lists exceptions — unreleased liens, missing assignments, judgment/tax liens, legal-description errors, unknown heirs. Each one must be resolved before the underwriter will insure. The ALTA 2024 study found 62% of title firms perform four or more curative actions per file, and 36% of transactions are 'difficult,' taking up to 45 hours of professional time.
Most agencies run curative by hand, from memory, with a shrinking bench of experienced examiners. The upstream search is automated — tools let examiners move from 10 to 20 files a day — but the curing itself remains slow, phone-and-email human grind that no tool finishes for you.
Title Curative Clearance Engine exists to close that gap with a single, exhaustive standard applied identically to every file.
62%
of title firms perform ≥4 curative actions per file (ALTA 2024)
The benchmark
Measured against ALTA standards and state-specific requirements — exception by exception.
We do not summarize the law and hope. Every file is scored against a versioned rule pack tied to ALTA best practices and state-specific curative requirements. These are the resolution paths each file is held to.
Recording confirmation
Every obtained instrument is verified recorded in the correct county, with book/page or instrument number confirmed — never assumed.
Every required party
Lienholder, judgment creditor, heir, or prior owner — established by search, not assumption. Payoff demands and releases are obtained from the correct entity.
Attorney-instrument boundary
Instruments requiring attorney drafting (e.g., corrective deeds in certain states) are routed to licensed counsel. Non-attorney instruments are drafted and reviewed by a specialist.
Exception-to-clearance mapping
Each open exception on the commitment is mapped to a clearance action, with evidence of resolution attached. No exception is closed without proof.
Audit trail
Every communication, payoff demand, release, and recording confirmation is logged with date and source, producing a defensible file for underwriter review.
How a file is cleared
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Gap Scan
Upload the commitment and open exceptions. We return a free completeness read: which exceptions have clear resolution paths, and which are missing evidence or require attorney review.
02
Evidence & lien searches
As your authorized clerical agent, we order county recorder, UCC, judgment, and tax lien searches and build the curative matrix, corroborated across sources.
03
Grounded drafting
Instruments (releases, affidavits, subordinations) are drafted from validated data and the rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
Each exception is mapped to a clearance action; payoff amounts reconcile to the demand; recording confirmation is verified; any failure blocks release.
05
Specialist release
A curative specialist reviews the exception queue and signs the release. High-value or complex exceptions route to attorney review first.
06
Delivery
You receive the curative clearance file: status per exception, obtained releases/payoffs/assignments, drafted instruments, recording confirmations, and an audit trail — ready for the agency to attach to the commitment.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No file ships without a human signature.
5 days
Standard SLA
From complete intake to released file.
<1%
Critical-defect target
Tracked against a gold-standard file library.
4
Lien-search sources
County recorder · UCC · judgment · tax, every applicable file.
Why Title Curative Clearance Engine
Built to be the most thorough option a title agency has.
Documentation-complete, by design
The deliverable is completeness itself — every exception resolved or explicitly exception-coded with a defined path. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never contact the borrower, give legal advice, or issue the policy.
Engagement
Flat fee per cleared exception. No hourly billing, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any premium.
- A free Gap Scan before you commit — see exactly what is missing.
- One flat fee per cleared exception; disclosed pass-through search fees.
- Optional fixed-fee attorney review for complex or high-value exceptions.
- Optional Sale Continuity Add-on for the final clearance certificate and recording follow-up.
FAQ
Questions, answered precisely.
Is Title Curative Clearance Engine a law firm?
No. Title Curative Clearance Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for complex or high-value exceptions.
Do you contact the borrower or collect the debt?
Never. Title Curative Clearance Engine is not a debt collector and does not contact borrowers or debtors. The title agency remains the party of record for all communications.
What makes a file 'complete'?
Completeness is defined by the resolution paths: each exception mapped to a clearance action, evidence of resolution attached, recording confirmed, and an audit trail. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released file. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per cleared exception, plus disclosed pass-through search costs. No hourly billing and no percentage of any premium.
See what's missing before it costs you a closing.
Start with a free Gap Scan. Send your commitment and open exceptions and we'll return a completeness read against ALTA standards and state-specific requirements.
Documentation-completeness service · not legal advice · the title agency remains the party of record.