XtractSol
A title professional and a client reviewing paperwork together at a desk
Curative & Exception Management
Curative & Exception Management

The fix is rarely the hard part. The chasing is.

AI agents sort every exception, recommend the cure, draft the paperwork from your templates, and keep following up until the item clears. Your team approves every cure.

59%
Of title professionals name securing releases for prior mortgages as their single biggest challenge.
ALTA / ndp | analytics, March 2026
44%
Report issues needing action beyond standard underwriting: chain gaps, corrective instruments, probate.
ALTA / ndp | analytics, March 2026
3to 5
Commitment requirements cleared before closing, for nearly 60% of respondents. Another 20% clear six or more.
ALTA / ndp | analytics, March 2026
3.1hrs
Spent clearing title on a standard file. On a difficult file it more than doubles, to 7.8 hours.
ALTA / ndp | analytics, 2024, most recent timing data
THE CURE IS USUALLY OBVIOUS. GETTING SOMEONE ELSE TO SEND IT IS THE WORK.

How many of your files are waiting on someone else right now?

Thirty minutes with the engineer who builds these agents. No slide deck.

Book the call
Curative & Exception Management
Where the days go

Six ways a file goes cold.

None of them involve a difficult cure. All of them cost you a closing date.

  • 01 An exception lands in an inbox and waits for someone to triage it
  • 02 A payoff request goes out and nobody diarizes the reply
  • 03 A release gets drafted, then sits waiting on an approval
  • 04 The servicer goes quiet, so the file goes quiet too
  • 05 Status lives in one person's spreadsheet, and that person is on leave
  • 06 Nobody can say which files are genuinely ready to close
Curative & Exception Management
What it covers

From exception to clear to close

01 / TRIAGE

Sorted before anyone reads them

Exceptions from the search and exam are classified by type and severity, so your team sees what needs curing and what is routine.

02 / RECOMMENDATIONS

A head start, not a blank page

For each exception the agent proposes the cure your standards call for: a payoff, a release, an affidavit, or further review.

03 / PAYOFFS

Requested and tracked to receipt

Payoff requests go out and are tracked until they land. Aging requests are flagged before they threaten a closing date.

04 / DRAFTING

Documents ready for review

Releases, affidavits and letters drafted from your own templates and populated with the file's details, ready for your team to approve.

05 / FOLLOW UP

Nothing goes cold

Persistent, scheduled follow up to lenders, lienholders and third parties, on a cadence you set, with every contact logged.

06 / READINESS

You always know what is blocking

Each file is tracked against its remaining exceptions, so you can see what is genuinely clear to close and what is still in the way.

Curative & Exception Management
A worked example

The item that goes quiet is the one that costs you

Curative rarely fails because a cure was difficult. It fails because an outstanding item sat somewhere and nobody noticed how long it had been sitting.

You set the threshold. Here it is five days, so three of these are simply in progress and one has crossed the line. The payoff request has had three follow-ups and no reply, so it stops being the agent's problem and becomes a decision for a person.

The tax lien is on the chart deliberately. It cleared on day four, and it is shown because a queue that only displays problems gives your team no sense of whether the process is working.

Open exceptions by ageDays since raised
Day 5, your escalation threshold
Prior mortgageNo release of record6d
Judgment lienRelease drafted, awaiting approval3d
VestingDeceased joint tenant, with your team2d
County tax lienSatisfaction received and logged4d
02468
In progressPast your threshold, escalatedCleared
ILLUSTRATIVE VIEW OF AN EXCEPTION QUEUE. NOT AN ACTUAL FILE.
Curative & Exception Management
Human in the loop

The agent supplies the persistence. Your team owns the judgment.

01

Classify

Exceptions sorted by type and severity.

Agent
02

Recommend

The cure your standards call for, proposed.

Agent
03

Draft

Documents prepared from your templates.

Agent
04

Approve

Your team reviews and authorizes every cure.

Your team
05

Chase

Scheduled follow up until the item lands.

Agent
06

Clear

Your team confirms the exception is satisfied.

Your team
Agent handlesPerson decidesEvery request and document logged against the exception it addresses
Curative & Exception Management
The persistence

What happens on day four, and day nine

Exception through clear to close

A stalled item is not a hard item. It is an unowned one

ALTA's March 2026 research found that securing releases for prior unreleased mortgages is the single most cited curative pain point, named by 59% of title professionals. Not because anyone is unsure what a release is, but because getting one requires a request, then a second request, then a phone call, then a record of all three. That is the work the agent takes.

Each open exception gets an owner, a cure, and a schedule. The request goes out, the reply is watched for, and the follow up fires on your cadence rather than when someone remembers. Items that age past your threshold escalate to a named person with the full contact history attached, so the conversation starts from what has already been tried. Nothing is sent, signed or marked cleared without your approval.

OwnedEvery exception has a cure and a next action
ChasedFollow up on your cadence, not on memory
LoggedA record of every attempt, with dates
When a servicer will not respond, you still need to move. The difference is whether you can show what was tried and when.
Approval stays with your teamThe agent prepares and pursues. Deciding what cures an exception, and whether it is cured, remains yours.
Curative & Exception Management
Your systems

It works where your team works

Exceptions, documents and status stay in your production platform and your inbox. Nobody learns a new interface.

ResWareQualiaSoftProOutlookGmailDocuSignSharePoint

Integration depth varies by system and version. We confirm exactly what is supported for your setup during the workflow audit.

Curative & Exception Management
Auditability

Traceable, defensible cures

  • Every request, document and follow up logged against the exception it addresses
  • Nothing sent or executed without a named approver
  • Full history available when you need to show how an item was cleared
  • Your data is never used to train any model
Curative & Exception Management
How we roll it out

A short build, not a long programme

STEP 01

Discovery call

Your exception volume, your curative standards, and where the follow up costs you most.

STEP 02

Workflow audit

We map your rules, templates and escalation paths against real files with open exceptions.

STEP 03

Build and train

Tuned on your real exception types, so routine cures run cleanly and judgment calls reach a person.

STEP 04

Go live

Connected to your production system with approval checkpoints built in, then refined on real volume.

We give you a timeline for your own build after the workflow audit, once we have seen your exception mix and your curative standards.

Curative & Exception Management
Good to know

Questions we actually get

Does the agent draft legal documents on its own?

It prepares them, it does not authorize them. Curative documents are drafted from your templates and pre-filled with the file's details, and a member of your team reviews and approves before anything is sent or executed. The agent speeds up the preparation. Your professionals keep authority over the content.

Does this replace our curative team?

No. It removes the tracking and the chasing, not the judgment. Deciding what will actually cure an exception, and whether it has been cured properly, stays with your people. The point is to give the hours back, and how you spend them is your call.

How does the automated follow up actually work?

The agent sends payoff and curative requests, then follows up on a cadence you set. It tracks responses, flags items that are aging, and escalates to your team when something stalls or needs a decision. Outstanding items stop depending on somebody remembering them.

What happens when a servicer simply will not respond?

The agent keeps a documented record of every attempt and escalates to your team once it hits the threshold you set, so you can move to the next step with a clean paper trail of what was tried and when.

Will it fit our existing production system?

The agent connects to your production platform and your communication channels, so exceptions, documents and status live where your team already works. We confirm the exact integration during the workflow audit.

What does it cost?

A monthly platform fee plus a rate that scales with your file volume. You get a firm number after the workflow audit, before you commit to anything.

Ready to get started?

Book a free discovery call and we will map how agentic AI can fit your workflows.