Questions buyers ask · Mortgage
How do lenders meet the TRID clock on changed circumstances?
TRID revisions miss the clock when a changed circumstance is spotted late and disclosures are tracked across the LOS and email. Callvu starts the TRID clock the moment a changed circumstance is recorded, issues the revised Loan Estimate on time, has the borrower acknowledge it on a secure screen and writes every disclosure, date and acknowledgment to the loan origination system.
The problem today
Why revisions run late
A rate lock extension or a change in the loan amount is noticed in a call or an email, and only later reaches the person who issues disclosures. TRID gives three business days to deliver the revised Loan Estimate, and the clock does not wait for the handoff. Acknowledgments are chased by phone, and there is no single view of what is due.
How it works
How Callvu runs a changed circumstanceFive moves, one process.
Recorded once
The changed circumstance is captured from any door and the TRID clock starts.
Classified with its due date
The disclosure team sees what is due and when, from the first minute.
Issued on time
The revised Loan Estimate goes out within the clock; if the clock is at risk, the case goes to a person.
Acknowledged on a secure screen
The borrower sees and acknowledges the disclosure, and what they saw is recorded.
Written to the LOS
Every disclosure, date and acknowledgment lands in the loan origination system.
Runtime enforcement
Compliance enforced while the work runsOn every step, every time.
TRID timing and your own policies are checked on every step while the loan runs. A step that fails a control does not run, and every run produces a Decision Trace and an Audit Trace for the examiner.
Proof
Live in production.In weeks, not months.
Community Bank of Mississippi runs TRID loans on Callvu: the completeness check before Processing, the handoff between teams, and the TRID Loan Estimate and changed-circumstance clocks.
Bank Leumi digitized every loan application and servicing workflow in six months.
Questions
What buyers ask next,answered plainly.
Does Callvu replace our LOS?
No. Callvu runs alongside your loan origination and servicing systems and writes to them by API and webhook, built to what you run.
Can it track the Closing Disclosure timing too?
Yes. Loan Estimate, changed circumstance, Closing Disclosure and intent to proceed clocks each run as part of the process.
How fast can we start?
Live in weeks. Callvu builds the process for you.
Bring the process that costs you most.
We build it, train your team and stay with you through launch. You are live in weeks.