Title curative software that ages every requirement instead of burying it in Schedule B
Title curative is the work of clearing defects found in a title search so a policy can issue and the closing can happen: unreleased mortgages, judgment liens against a similar name, gaps in the chain, scrivener errors and missing heirs. It runs against a hard date, because 12 CFR 1026.19 requires the closing disclosure to reach the consumer at least 3 business days before consummation. Neurobird tracks each requirement with an owner and an aging clock.
Neurobird Title Curative in short
- Turn Schedule B requirements into tracked items with an owner and a target date
- Record every request sent to a lender, court, county or heir, and when it was chased
- Attach the curative instrument, the release, corrective deed or affidavit, to the requirement it clears
- 3 business days Minimum time a consumer must hold the closing disclosure before consummation under 12 CFR 1026.19, which is the hard edge every open requirement runs into. 12 CFR 1026.19, Consumer Financial Protection Bureau
- 3,143 Counties and equivalents in the United States, each recording instruments its own way, which is why a corrective deed is routine in one and slow in another. US Census Bureau, ANSI geographic codes
- Pricing runs 85 to 360 US dollars per month across 3 tiers. Early access is free.
What title agencies and curative teams actually deal with
Why it stays broken
Requirements are written into a commitment, which is a document rather than a work list. So a file with 9 open items, 2 of them 40 days old, looks exactly like a file with 1 item raised this morning.
One unreleased 2004 mortgage can hold a closing that 6 other people have already scheduled around.
Marketable title is a title free of adverse claims, liens and defects that are apparent from the record .
What title curative actually has to satisfy
Useful if you are building a curative desk or defending a file. Each source links out.
Minimum time a consumer must hold the closing disclosure before consummation under 12 CFR 1026.19, which is the hard edge every open requirement runs into.
12 CFR 1026.19, Consumer Financial Protection BureauCounties and equivalents in the United States, each recording instruments its own way, which is why a corrective deed is routine in one and slow in another.
US Census Bureau, ANSI geographic codesNAICS code for title abstract and settlement offices, the establishments that carry curative work, counted each year in County Business Patterns.
US Census County Business PatternsYear the Uniform Law Commission was established, the body behind the uniform acts states adopt to resolve heirs property and partition problems that reach the record.
Uniform Law Commission, Partition of Heirs Property ActThe disclosure section that fixes the closing date, which is why curative aging matters more than curative volume.
12 CFR 1026.19, eCFRNeurobird Title Curative Coverage Platform
Treat each Schedule B requirement as a tracked item with an owner, a request history and an aging clock. The chase becomes visible while there is still time to run it.
- 1Turn Schedule B requirements into tracked items with an owner and a target date
- 2Record every request sent to a lender, court, county or heir, and when it was chased
- 3Attach the curative instrument, the release, corrective deed or affidavit, to the requirement it clears
- 4Show the file by aging, so the requirement that will break the closing is visible early
What changes with Neurobird Title Curative?
The same work, read left to right: how it runs today, and how it runs once the record is in one place.
| Today | With Neurobird Title Curative |
|---|---|
| Curative items live in the commitment as Schedule B requirements and nowhere else, so tracking them means rereading the commitment | Turn Schedule B requirements into tracked items with an owner and a target date |
| Every requirement is a chase: a payoff, an affidavit, a release from a lender that has been acquired twice, a signature from an heir nobody has found | Record every request sent to a lender, court, county or heir, and when it was chased |
| The closing date does not move because a release did not arrive, so the aging that matters stays invisible until it is late | Attach the curative instrument, the release, corrective deed or affidavit, to the requirement it clears |
Who is this for?
Same requirement, three different exposures.
You close locally
Everyone knows the files until 1 person is out. You need the requirement list to be readable by anyone on the desk.
You close at scale
Hundreds of files, each with open items. You need aging by requirement rather than a count of open files.
You cross recording rules
A corrective instrument that works in 1 state gets rejected in another. You need per state requirement templates.
The curative list, as your specialist would work it
A working preview. Tick a requirement to move it into the cleared column.
- Requirement clearedpending
- Document obtainedpending
- Requirement raisedpending
- Owner assignedpending
Advance a step to see what the client sees.
How does Neurobird Title Curative work?
Break the commitment into items
Each Schedule B requirement becomes its own record with a type, an owner and a target date, instead of a paragraph inside a PDF.
Track the chase, not just the item
Every request to a lender, court, county or heir is logged with the date it went out and the date it was chased, so silence becomes measurable.
Clear with the instrument attached
The release, corrective deed, affidavit or court order is attached to the requirement it clears, so the file explains itself to underwriting.
Title curative software questions, answered
Key terms
- What is title curative work?
- Title curative work is the process of clearing defects found during a title search so a policy can issue and a closing can happen. Typical items are unreleased mortgages, judgment liens against a similarly named person, gaps in the chain, scrivener errors in a legal description and missing heirs in an estate that was never opened.
- What is a cloud on title?
- A cloud on title is any claim, encumbrance or irregularity in the record that casts doubt on the owner's title. Some clouds clear with a document: a release, a corrective deed or an affidavit. Others need a court, which is what a quiet title action is for.
How does curative work affect the closing timeline?
Directly. Under 12 CFR 1026.19 the consumer has to receive the closing disclosure at least 3 business days before consummation, so a requirement that clears the day before closing has already caused a problem. Aging is the number that matters, not the count of open items.
Who actually does the curative?
Usually a curative specialist inside a title agency, working against requirements set by the examiner and approved by underwriting counsel. On heavy files the work is a long sequence of requests to third parties who have no deadline of their own.
Does this replace our title production system?
No. It reads the requirements out of the commitment and manages the chase: owners, requests, chasers, aging and the instrument that clears each item. The commitment and the policy stay where they are.
Why we are building this
Curative is the part of a title file that decides whether the closing happens, and it is the part with no system. The commitment lists the requirements, then the work happens in email and a spreadsheet.
What matters is aging. A file with 2 requirements raised 40 days ago is in more trouble than a file with 9 raised yesterday, and no commitment will show you that.
We would rather build this with curative specialists than guess at it. Tell us how yours runs, and where we have got it wrong.
Where the requirement comes from
The recording statutes and disclosure rules curative work runs against.
- 12 CFR 1026.19, closing disclosure timing The 3 business day rule that fixes the closing date every curative requirement has to beat.
- Texas Property Code Chapter 13, effect of recording A recording statute in full: notice, priority and what a properly recorded instrument does.
- Texas Property Code Chapter 5, conveyances The conveyancing rules behind deed defects, and what a corrective instrument has to say.
- Cornell LII, quiet title action What happens when a cloud cannot be cleared by agreement and the file has to go to court.
How much does Neurobird Title Curative cost?
Priced per user because curative is a per pair of hands job. Files and requirements are unlimited on every tier.
- Requirement tracking
- Aging clock per item
- Request and chaser log
- Document attachment
- Email support
- Everything in Solo curative
- Commitment import
- Owner assignment and queues
- Underwriting review step
- Named contact
- Everything in Title agency
- Per state requirement templates
- Aging and clearance reporting
- Production system sync
- Onboarding included
Get free early access
If you clear title, tell us how open requirements are tracked today and which ones age out.
Straight answer on where this is: In development. Early access gets the working preview, a say in what ships first, and early access pricing. It does not get you a login today.
Prefer email? Write to office@neurobird.com and a person will reply. No autoresponder.