Disclosures and Verifications

Automated disclosures and verifications with a visible audit trail

Send minimum conditions for maximum pull-through

Move disclosure delivery, e-sign, verification, document review, and income calculation forward without hiding the decisions your team must approve.

Generate and send TILA and RESPA disclosures automatically with timing and delivery logged, then run verifications and calculate income from incoming documents.

Automated disclosures

Prepare, deliver, and track disclosure packages across electronic and mail workflows with human review where needed.

Assisted e-sign

Let originators follow signing progress and help resolve friction without taking control of the borrower’s signature.

Verification flows

Try connected verification services first, then fall back to a focused borrower request when needed.

Document intelligence

Split uploaded packages into usable documents, extract required fields, and connect evidence to conditions.

Automated disclosures

Keep disclosure delivery moving

Prepare, deliver, and track disclosure packages from the loan workspace. Gizmo coordinates electronic and mail workflows while preserving the review points that protect compliance and margin when pricing or loan terms require attention.

Capabilities

  • Prepare the applicable package from current borrower, loan, fee, and pricing information.
  • Coordinate electronic consent, e-sign, and physical-mail delivery paths.
  • Track delivery, viewing, signing, failure, and supersession events.
  • Surface changes that may require a corrected package or re-disclosure.
  • Route pricing exceptions and sensitive compliance decisions to an authorized reviewer.
  • Keep the package and its delivery evidence connected to the loan.

Assisted e-sign

Help borrowers without taking over

Let originators follow a borrower's signing progress and assist when questions or technical friction arise. The borrower remains in control of every signature while the team gains enough visibility to help a package reach completion.

Capabilities

  • See which recipients and documents are still waiting for action.
  • Follow signing progress without asking the borrower to describe each screen.
  • Answer questions using the same package and loan context.
  • Help resolve access or navigation problems without signing on the borrower's behalf.
  • Return completed documents and signature evidence to the loan workspace.

Verification flows

Use the easiest valid evidence first

Define how Gizmo should satisfy a verification or condition before asking the borrower for paperwork. A flow can try connected data sources first, fall back to a focused document request, and preserve every outcome for review.

Capabilities

  • Start with supported verification providers when direct data can answer the requirement.
  • Fall back to a targeted borrower request when a provider cannot complete the work.
  • Connect provider results, uploads, and reviewer decisions to the relevant condition.
  • Keep alternative evidence paths explicit instead of hiding them in team instructions.
  • Require human approval when the final decision cannot be made safely by automation.

Document intelligence

Turn uploads into usable evidence

Gizmo converts uploaded packages into documents your team can review and use. Extraction stays connected to the borrower request and loan condition, so the result supports the workflow instead of becoming an isolated pile of files.

Capabilities

  • Split multi-document packages into distinct, reviewable documents.
  • Classify documents and extract the fields required for the current request.
  • Preserve source files alongside normalized values and reviewer decisions.
  • Connect evidence to the conditions and borrower tasks it may satisfy.
  • Escalate incomplete, conflicting, or uncertain results for focused human review.
  • Reuse accepted information across the downstream loan workflow.