SENTINEL PLUS — Payoff Letter Verification
Verify Every Payoff Letter Before You Wire
Sentinel Plus reads every mortgage payoff letter before the money moves — and tells you, in seconds, whether it can be trusted. It extracts the wire instructions, independently checks what can be verified, runs a battery of fraud tests, and returns a clear verdict with an itemized list of flags, so a busy closing team has a fast, consistent second set of eyes on every single payoff — not just the ones that happen to feel “off.”
Sentinel earned its name guarding the county record against deed fraud. Sentinel Plus extends that same vigilance to the closing table, where the money actually moves.
The Last Unguarded Step in a Closing
Every closing with an existing mortgage depends on one document: the payoff letter. It says who gets paid, how much, and — critically — where to wire the funds. That is exactly where fraud happens. Criminals intercept a legitimate statement and alter just enough to redirect the money: a routing number, a beneficiary, a callback phone number. The letter still looks right — same logo, same layout, same legal language — and the funds are usually unrecoverable within hours. Today the industry’s defense is one person eyeballing the document and making a callback. Sentinel Plus makes that defense systematic.
What Sentinel Plus Does
AI Vision Reads What Humans Receive
Payoff letters arrive as faxes, photocopies, and phone photos. Sentinel Plus reads the entire document with AI vision — including typewriter-era quality pages that defeat traditional OCR — and extracts every critical field: lender, borrower, amounts, dates, and the complete wire instructions.
Independent Routing Verification
Sentinel Plus doesn’t just inspect the document — it checks the document’s claims against outside authority. The wire routing number is verified in real time against the Federal Reserve’s own directory: does this routing number actually belong to the bank named on the letter?
A Battery of Fraud Checks
Does the per-diem interest math actually compute? Is the payoff plausible against the principal? Is the good-through date stale? Does the wire beneficiary match the lender? Is a “lender” using a Gmail address? Does the document match what the closing file expected? Every check was designed around how payoff letters — and payoff fraud — actually work.
A Nationwide Library of Truth
Sentinel Plus distills every payoff letter that flows through the network into a fingerprint of what a lender’s legitimate documents look like — the layout, the letterhead, the real phone numbers and wire details. A letter that claims to be from a lender but doesn’t match the hundreds already verified gets flagged, even if every number on it is internally consistent.
A Clear Verdict, With the Evidence
Sentinel Plus returns a verdict — PASS, REVIEW, or FAIL — with an itemized list of flags, each explaining exactly what looked wrong and where in the document it was found. Every upload, verification, and verdict is permanently recorded with the ruleset version that produced it, so the answer to “what did you do to verify this payoff?” is a report, not a shrug.
Privacy That Makes It Possible
The shared library contains zero customer, borrower, or transaction data — only de-identified, lender-level facts. One customer’s documents are never visible to another. Borrower data is encrypted, masked, and automatically destroyed on a configurable retention schedule, while the verification record survives for compliance. Built for GLBA and ALTA Best Practices expectations from day one.
A Human Always Makes the Final Call
Sentinel Plus is advisory. It never approves, releases, or blocks a wire, and it doesn’t replace your callback procedures — it strengthens them. It gives the closing team something they have never had: a fast, consistent, evidence-based review of every payoff, in seconds.
Why Sentinel Plus Wins
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Purpose-Built
Not a generic document scanner — every check and verdict is designed around payoff letters
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Independent Verification
Checks the document’s claims against outside authority, starting with the Federal Reserve
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The Network Effect
The more of the nation closes through Sentinel Plus, the safer every customer becomes
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Volume Is the Advantage
The network sees payoffs by the tens of thousands — defining “normal” with a precision no manual review can match
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Fully Auditable
Every verdict is recorded with the exact ruleset that produced it — ready for any regulator, underwriter, or E&O carrier
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Two Ways In
A clean web portal, or a REST API with webhooks so your title production system submits payoffs automatically
Built to Fit Your Closing Workflow
Sentinel Plus connects directly to the title production systems you already use. APIs are built for direct access to all popular platforms — including SoftPro, Qualia, ResWare, and Title Workplace — so payoffs are submitted and verdicts returned automatically, without anyone leaving their existing software.
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Sentinel Plus is one part of a complete platform for land title work — from abstracting and title plant management to insurance production and fraud prevention.
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