Closing scheduling

How do we schedule the closing so the borrower, the settlement agent and the lender agree a date that respects the Closing Disclosure waiting period, and write it to the LOS?

Compute the earliest date and offer only dates after it. Callvu computes the earliest consummation date from the Closing Disclosure's receipt, the rescission period where it applies and the lock expiry, offers the borrower and the settlement agent dates on or after it through links, confirms the chosen date and location with all three parties, writes it to the LOS, and re-checks the date whenever a change resets the period.

In scopeSimpleCallvu moves: prefill, write back

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Last updated November 7, 2026.

The problem today

The closing was scheduled by three phone calls, for a day inside the waiting period.

Today, without Callvu

The closer calls the settlement agent, who calls the borrower, who calls the loan officer. A date is picked for the day the lock expires. The Closing Disclosure was delivered two days earlier by email, and nobody counted the three business days from receipt. The closing is moved on the morning of, or worse, happens.

The closing date is constrained by the Closing Disclosure's receipt plus three specific business days, by the lock expiry, by the rescission period for a refinance, and by the parties' availability. The first three are arithmetic; only the last is a negotiation.

Offering only lawful dates removes the negotiation's biggest risk.

How it runs

From the requestto the system of record.

The loan is cleared to close and the Closing Disclosure's delivery is scheduled or done. Callvu opens the scheduling case with the constraints.

Borrower: Picks from the offered dates on their phone and confirms.
Settlement agent: Confirms availability and the location through a link.
Closer: Sees the constraints and the confirmed date; intervenes only on exceptions.
Callvu: Computes the earliest date, offers, confirms with all parties, writes and re-checks.

Classify the constraints
The earliest consummation date is computed from the Closing Disclosure receipt (acknowledged or deemed) plus three specific business days, the rescission period and funding date for a refinance, the lock expiry, and any program's seasoning or document expiry dates; the window of lawful dates is set.
Offer and confirm
The borrower and the settlement agent receive links with the lawful dates and the lender's closing options (location, hybrid or remote where allowed); the chosen date, time and location are confirmed with all three parties and the borrower's funds-to-close instructions are attached.
Write back
The closing date is written to the LOS, the closing package process is triggered with the date, and the disclosure desk and secondary see the date against the period and the lock.
Re-check on change
Any change that resets the Closing Disclosure period or moves the lock re-opens the scheduling with the new earliest date, and the parties are re-confirmed.

Where it ends: The closing is on a date that respects the waiting period, the rescission and the lock, agreed by all three parties through links and written to the LOS, and re-checked whenever a change moved the constraints. The Decision Trace shows the computation; the Audit Trace shows the offers and confirmations. The Callvu moves in this process are prefill and write back.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

TRID Closing Disclosure waiting period (Reg Z 12 CFR 1026.19(f)(1)(ii) and the specific business-day definition in 1026.2(a)(6)): Consummation may occur no earlier than three business days after the consumer receives the Closing Disclosure, counting every day except Sundays and legal public holidays; the period restarts for the changes the rule names.
Right of rescission (Reg Z 12 CFR 1026.23): For a refinance secured by the principal dwelling, the borrower has three business days after consummation to rescind, and funds are not disbursed until the period ends; the funding date follows the closing date accordingly.
Rate lock terms: The lock expiry constrains the closing date; a date beyond it requires an extension through the lock process.

Company policies

Only dates on or after the computed earliest consummation date are offered.
The date is confirmed with the borrower, the settlement agent and the lender before it is written.
A change that resets the period or the lock re-opens scheduling by rule.
The LOS is the system of record for the closing date.

Controls

Earliest date computation from receipt, rescission and lock.
Lawful-date offering by link.
Three-party confirmation.
Write to the LOS with the package trigger.
Re-check on constraint changes.

Clocks and deadlines

Closing Disclosure waiting period: Three specific business days after receipt.
Rescission (refinance): Three business days after consummation before funding.
Lock expiry: The closing date must precede it or the lock is extended.

Documents and checks

The constraint computation
The dates offered and the parties' confirmations
The closing date in the LOS
Any re-scheduling record

In the Decision Trace

The earliest date and its inputs.
The confirmed date against the constraints.

In the Audit Trace

The offers and confirmations with times.
The write and any re-check.

The handoff

Between the front doorand the back office.

The front door

Links to the borrower and the settlement agent with lawful dates.

The back office

The closer sees constraints and a confirmed date; the closing package process starts from it.

The Decision Desk

A request to close inside the period for a bona fide personal financial emergency, or a date that cannot satisfy all constraints, goes to the closing team in the Decision Desk with the dates and only the allowed outcomes.

Proof

In scope.Proof at scale, not one process at a time.

The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.

Bank Leumi runs its home lending workflows on Callvu.

MTG-01

Community Bank of Mississippi runs TRID loans on Callvu.

MTG-02

More than 1,000 processes are live across Callvu customers.

Across Callvu customers

Questions

What buyers ask next,answered plainly.

How is the earliest closing date computed?

From the Closing Disclosure's receipt plus three specific business days, the rescission period for a refinance, and the lock expiry, by rule.

How do the parties agree?

The borrower and the settlement agent pick from lawful dates through links, and the date is confirmed with all three parties before it is written to the LOS.

What if something changes after scheduling?

A change that resets the period or moves the lock re-opens scheduling with the new earliest date and re-confirms the parties.

Related processes

Closing Disclosure timing Closing package and settlement agent instructions Rate lock extension and relock Try it in the sandbox All home lending processes

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