Today we’re introducing Qualia Closer, a drop-in worker that works a title & escrow file from the day the order opens to the day it closes. Closer secures a title search and prepares a preliminary exam for customer review, helps to clear requirements, chases payoffs, balances the closing disclosure with the lender, schedules the signing, and answers every party on the file by email or text. Since October it has worked live purchase and refinance files at 42 title agencies and law firms. On October 30th, the first of those files closed.
We’re now opening the Closer Pilot Program. The Closer Pilot Program is invitation-only, for a select list of firms. We are not making Closer generally available yet.
The operational work of a closing is now automated.
The question going forward is what title & escrow firms do with the time that gives back: a better closing for every buyer and seller, more time with clients and the agents who send them, and more attention on the judgment calls that only people should make.
Title & escrow in the age of AI
Millions of closings run on Qualia every year. Each one is its own project with a dozen parties, coordinating over weeks, who mostly know each other by email: buyers and sellers, two agents, a lender, an underwriter, payoff desks, town offices, sometimes an attorney for each side. Most of the work on a file is not any single hard step. It is keeping every one of those threads moving, every day, until the file closes.
Every AI product in title & escrow so far, including our own, has made a person faster at a task. Closer is the first that works the file. Software organized the file, and assistive AI like Qualia Clear made a person faster at a step. Closer takes on the whole file, notices what is missing, decides what to do next, and does it. It keeps the firm’s team updated, and they can redirect it at any time. We believe this changes what a title & escrow agency can be. A firm’s best people can spend their day on the judgment calls and the customers, and the firm can take on more files without the file count setting the pace. Your team oversees it and approves what matters.
Closer works because of what is underneath it. It runs inside each firm’s own Qualia account, where the file already lives. Qualia Core holds the order, the title work and the ledger. Qualia Connect reaches every party on the file. Qualia Clear handles the email, and Qualia Shield protects the money.
Working real files with Closer
One of the hardest files in the pilot has been a seven-figure lakefront purchase that Closer picked up eight days before closing, with the title exam still out. It had a deeded boat slip, a private beach club, an LLC, multiple trusts, a mortgage that also secured the seller’s other debts, a town code violation, and two survey plans that disagreed about the lot line.
Closer found the dock declaration that tied the slip to the lot within 30 minutes. It read the club’s by-laws and prorated the dues to the day. It ordered the payoff and the extra release the seller’s other loans required. It found the code violation on day one and worked with the town until it was cleared. It pulled both plans and made the case to the underwriter’s state office. When the appraisal date put the deposit at risk, it moved every date and got an extension signed by both sides. Closer sent clear to close, and the file signed the next day.
Most files are not this hard, and the value shows up in smaller ways. Across the pilot, Closer caught a borrower who was not an owner of record before the loan documents were drawn, a home equity line that no one had flagged, and an estate sale that needed a court’s license to sell. When staff replaced the first page of a deed on one file, Closer made sure the corrected deed was the one that went to recording. On another it found a document missing from the title search package and did the title work on a prior foreclosure in the chain to meet the lender’s conditions.
Closer works the way each firm works. It works inside the firm’s own Qualia account, with the firm’s people and approvals, and a firm can tell it in plain words how it likes things done. It gets better at this as it goes.
What stays with your team
Closer works files to clear to close and prepares the closing. It does not record documents, disburse funds, or issue final commitments or policies, although it can prepare them; a person at the firm does each of those. It does not give legal advice. Where a closing calls for an attorney, the firm’s attorneys make the legal calls.
The firms working with Closer
The Closer Pilot Program began with several firms that put live files in Closer’s hands before anyone else did, including: Dalton & Finegold in Massachusetts and New Hampshire and Ohio Real Title in Ohio. These firms are leading our industry in technology.
“Closer is transformational for our firm and the industry. With its help, our team reclaimed several hours per day to reinvest into our clients. The more Closer supports our team, the more personal and involved they can be with our clients during the most important transaction of their lives. We’ve seen a direct correlation between our team spending less time on task, and more time with the client.”
Barry Finegold
Partner & Owner at Dalton & Finegold, LLP
“It’s hard to put into words just how impressive this technology is. Game changing. From understanding our processes and selecting the right templates to automatically sending documents and processing live files, its capabilities are exceeding expectations.”
Ryan Marrie
President at Ohio Real Title Agency
Plans for Closer Pilot Program
This announcement changes our industry. The transaction has been automated.
Closer Pilot is invitation-only. 42 firms have participated so far across 23 states. Before we make Closer widely available, we are working with a select list of firms. Together we’ll understand what it changes inside a title and escrow business, for staff, clients and underwriters, and make sure it rolls out responsibly.
What comes next
Over the coming weeks, we’ll add firms to the Closer Pilot as we’re ready, starting with Qualia customers. We’ll share what we learn along the way, so every firm can see how this works before it reaches their files.
How to get involved
Want Closer working your files?
A change this big to how title & escrow works should be shaped by the people who do the work. So we’re building it with the firms who know it best, in the open, one file at a time.
