Residential and commercial loan closings require large, precise document packages. The exact set varies by loan type, loan amount, state, and investor guidelines driven by TILA-RESPA, state lending laws, and secondary market requirements. Templx generates the correct package automatically from approved templates, governed before they ever reach a closing table.
Loan officers, closing agents, and operations teams know the problem well. The document package for a conventional purchase loan in California is different from an FHA refinance in Texas. The Closing Disclosure, the Note, the Deed of Trust, the specific state-mandated notices the exact combination is determined by a matrix of loan type, amount, property type, and state that changes every time a regulation is updated or an investor changes their guidelines.
Most loan origination systems carry that logic internally. When TILA-RESPA rules change, or when a new investor is added, or when a state amends its disclosure requirements, the LOS has to be updated. That is an IT project every time.
Your loan origination system calls the Templx API at the point of closing package generation. The payload carries the loan attributes type, amount, state, investor, property type. The rules engine evaluates those conditions and selects the correct approved document set. Templx generates the full package and returns it.
When investor guidelines change, your compliance team updates the affected templates in the workbench, routes them through approval, and publishes them. The next closing that matches those conditions gets the updated documents. The LOS integration does not change.
We will walk through a closing scenario with your loan types, your states, and your LOS integration in mind.