Why Document Risk Detection Matters
A single missed risk in a document can cost thousands — a lien that wasn't caught, a signature that was missing, a deadline that passed. ClosingIQ's AI automatically detects 320+ risk types with severity ratings and page-level citations.
The 13 Risk Types
1. Active Liens
AI scans for existing liens on property or assets. A missed lien can mean the buyer inherits someone else's debt.
2. Ownership Mismatches
When the name on one document doesn't match another — a maiden name vs married name, a misspelling, or a completely different party.
3. Chain-of-Title Gaps
Breaks in the ownership history of a property. If the chain isn't continuous, the title may be defective.
4. Approaching Deadlines
Rate lock expirations, filing deadlines, option periods, inspection contingencies. AI flags anything with a date that's coming up soon.
5. Unsigned Pages
Even one unsigned page in a 150-page loan package can delay funding. AI checks every signature line.
6. Title Exceptions
Exceptions listed in a title commitment that could affect ownership rights — easements, restrictions, encumbrances.
7. Tax Delinquency
Unpaid property taxes that could result in a tax lien or affect the transfer of title.
8. Missing Clauses
Standard clauses that should be present but aren't — indemnification, force majeure, dispute resolution.
9. Expired Terms
Documents or provisions that have passed their effective date — expired insurance, lapsed power of attorney.
10. Compliance Gaps
Regulatory requirements that aren't met — RESPA disclosures, TRID timing, state-specific requirements.
11. Calculation Errors
Math errors in settlement statements, proration calculations, or loan terms.
12. Conflicting Provisions
When two sections of the same document or two documents in a package contradict each other.
13. Missing Signatures
Required signatures or initials that are absent from required locations.
How It Works
For each risk detected, AI provides: