One side opens the order
Property, loan, and deal terms. The system checks the jurisdiction before taking a cent and tells you what that state requires.
Order status: Draft
Disclosures, then payment
The due-on-sale analysis and the scope-of-service disclosure are acknowledged first. Then the card is authorized — held, not captured.
Order status: Awaiting payment
You fill in your half
Your identity, your role, your details. Confidential identifiers go somewhere no party can read them back.
Order status: Your information
The other side is invited
A link with a high-entropy token, plus a six-digit code sent by a different channel. Neither alone admits anyone, so a forwarded email is harmless.
Order status: Waiting on the other party
A reviewer clears compliance
Risk checks, disclosure completeness, sequencing, and the jurisdiction gate. Where a state requires it, supervising counsel reviews and signs off.
Order status: In review
Documents compile and route
Each document is merged from a frozen template snapshot, hash-pinned, and routed to the execution method its state demands — e-sign, remote notarization, or ink on paper.
Order status: Documents ready
What the reviewer is actually checking
The compliance engine does not produce a score. It produces flags, each with a severity and each with a statement of who — if anyone — is permitted to clear it.
Flags nobody can clear
The due-on-sale analysis in a subject-to purchase is marked clearable by no one. It is not a warning that staff can dismiss to move a file along. It is a fact about the transaction that both parties have already acknowledged in writing.
Flags that require counsel
An unverified jurisdiction blocks document generation until an attorney admitted in that state clears it on the record — against their bar number, pinned to a hash of the exact rules reviewed. Change the rules in a later release and the sign-off goes stale automatically.
Flags that require information
A missing spousal joinder where homestead rules demand one, an identity check that has not completed, a carryback note without terms. These clear when the gap is filled.
Why the deed and the assignment are dated apart
The correct order is: create the trust, deed the property to the trustee while the seller is still the sole beneficiary, and then — separately, later — assign the beneficial interest to the buyer.
Dating all three the same day makes the middle step transparently a formality. The sequencer enforces a 30-day default gap between the deed and the assignment and warns loudly below seven days.
This does not defeat a due-on-sale clause and is not intended to. It avoids making a weak position worse.
Why signatures are routed per document
A deed must be notarized, and in several states it must be signed in ink in a notary's physical presence. Route it through a click-to-sign flow and you produce an instrument the county recorder will reject — after closing, when it is expensive.
Every document therefore carries its own execution method derived from that state's rules. The signing service independently refuses anything that is not plain e-sign, duplicating the decision on purpose: a routing bug should not be able to produce an unrecordable deed.