CLOVET
The Future of Closing
By Invitation Only
From Contract
to Keys
Finally Coordinated
Choose your path
Begin
CLOVET
AI Partner Platform
01
Realtor
I Close
Deals
AI finds leads overnight.
Full pipeline visibility.
Client updates automated.
Enter →
02
Mortgage Lender
I Fund
the Loan
Title vs rate lock, daily.
Wire instructions automated.
Never lose a lock again.
Enter →
03
Bank
We Fund
at Scale
Overnight risk reports.
Every officer, one dashboard.
AI compliance before funding.
Enter →
CLOVET
AI-Guided Closing
01
Buyer
I’m Buying
a Home
Every cost before you commit.
AI answers at midnight.
Wire fraud protection built in.
Enter →
02
Seller
I’m Selling
my Home
Know exactly what you’ll net.
AI catches liens early.
Live proceeds, updated daily.
Enter →
Right now. On your phone.
10 things killing
your closing.
01Title problem surfaces day of closing
02Client texts you 11 times for updates you don't have
03$3,200 rate lock extension — title wasn't ready
04Blamed for delays you didn't cause
05No visibility into deal status until it's a crisis
06Buyer almost wired money to a fraudster
07Evenings spent answering questions that should be automated
08Deal collapses week before closing — commission gone
096 platforms, 4 group chats per deal
10Through all of it — you do it for free
None of this was your fault.
You just had no platform built for you.
Client · Sarah M.9:14 AM
"Any update? I took the day off work."
Lender · Chase Bank10:02 AM
"Rate lock expires Friday. Need survey immediately."
Attorney · Weiss Law11:47 AM
"Closing pushed. Title issue. No ETA."
Client · Sarah M.11:51 AM
"WHY again?? My movers are already booked!!!"
Title Co. · Nassau2:30 PM
"Still researching. No ETA."
Client · Sarah M.4:15 PM
"I'm calling the other agent."
You became a realtor because
you love
selling homes.
Not chasing six parties across six phone numbers for a status update that should be automatic. Not absorbing blame for delays you have zero control over.
The moment the contract is signed
your deal enters
a black hole.
Open lien discovered — day of closing
Water Authority · $4,200 · Nobody flagged it
Deal dead
Rate lock expired — closing pushed 2 weeks
Title wasn't ready · Lender couldn't fund
$3,200 loss
Survey defect — buyer walked
Found in week 4 · Should have been week 1
Commission gone
Introducing
CLOVET
One platform · Every party · Total control
AI catches problems in week one — not the day of closing
Every milestone.
Live. Automatic.
Contract uploaded & AI-parsed
All parties notified automatically
Day 1
Title search ordered
Nassau Title confirmed
Day 2
Open lien flagged — Water Authority $4,200
AI detected · Attorney notified immediately
⚠ Caught Day 8
Lien resolved — deal stays on track
Negotiated & paid · Buyer never knew
Day 11 ✓
Clear to close
On schedule
Day 30
Your brand. Their closing.
Your name on
every step.
You get the credit when it goes well — not just the blame when it doesn't. Every client sees your name on their timeline throughout the entire closing.
S
Sarah's Closing
Guided by Your Name · Clovet
✓ Contract signed
✓
✓ Title ordered
✓
Search in review...
Insurance
Clear to close
What no competitor offers
Realtors get
free leads.
Buyers and sellers who sign up without an agent get matched to you instantly. First to respond wins the client.
917
Avg. agent response
in minutes
78%
Go with the first
agent to respond
⚡
Clovet notifies
you instantly
$0
Free · Every realtor · Every closing · Forever
CLOVET
Your next closing
is already waiting.
No credit card · No contract · Cancel anytime
The call you dread every week.
Borrower · Michael T.
"We're supposed to close Friday — is everything ready?"
9:02 AM
Attorney · Weiss Law
"Title isn't clear yet. Need 2 more days."
9:45 AM
Rate Lock Alert
"Lock expires in 3 days. Extension fee: $1,840."
10:15 AM
Borrower · Michael T.
"Why didn't anyone tell me about this sooner?!"
11:30 AM
Your loan has been ready for days.
Is the closing
ready?
You've satisfied every condition. The underwriter approved. The wire is staged. But you're completely blind to what's happening on the title and closing side — until it's too late.
What a pushed closing costs you
Every delay is
money out the door.
Rate lock extension fee
Closing pushed 5 days — title issue nobody flagged
$1,840
Warehouse line sitting idle
Committed funds earning nothing while closing delays
Lost yield
Borrower satisfaction destroyed
They blame you. They tell their friends. Referrals gone.
−3 referrals
Introducing
CLOVET
A window into every closing you fund
See the closing side — for the first time
Know the CTC is coming
days before it does.
Loan conditions cleared — funding staged
Your side is ready
Day 14
Title search back — AI scanning for issues
Clovet monitoring in real time
Day 14
Title clear — attorney scheduling closing
On track for Day 30
Day 18
Clear to close confirmed
Wire instructions verified — secure portal only
Day 28
The rate lock problem — solved
You see the title issue
in week one.
Clovet AI scans the title search the day it comes back. If there's a lien, a judgment, or a defect, you know on Day 8 — not the morning of closing when your rate lock is on the line.
Rate lock risk eliminated · Warehouse line optimized · Borrowers protected
Your borrowers see your name
Credit for a
smooth closing.
Your borrower's closing timeline is branded with your institution's name alongside their realtor. When it goes smoothly — and it will — they remember who made it happen.
M
Michael's Closing
Funded by Your Bank · Clovet
✓ Loan approved
✓
✓ Title clear
✓
✓ Wire staged
✓
CTC pending...
$0
Free partner access · Clovet earns on title & insurance
CLOVET
Your loan is ready.
Now see if the closing is.
Free access · No contract · Setup in minutes
Your institution. Right now.
How many active closings
do you have visibility into?
Address
Loan Officer
Status
Risk
14 Elm St, Garden City
J. Martinez
Unknown
???
88 Main St, Hempstead
K. Chen
Unknown
???
22 Oak Ave, Rockville
T. Williams
Unknown
???
7 Pine Rd, Merrick
S. Patel
Unknown
???
Every row above is a rate lock at risk. You don't know which.
The institutional blind spot
$1,840 per pushed
closing.
Rate lock extension. Warehouse line sitting idle. Compliance risk from a closing that funds before title is properly cleared. Multiply that by your monthly volume. That's the cost of not seeing the closing side.
Introducing
CLOVET
Institution-level closing oversight
Now. With Clovet.
Every loan officer.
Every closing. One view.
Address
Loan Officer
Status
Risk
14 Elm St, Garden City
J. Martinez
CTC Ready
✓ Clear
88 Main St, Hempstead
K. Chen
Title Review
Watch
22 Oak Ave, Rockville
T. Williams
Lien Flagged
⚠ Act
7 Pine Rd, Merrick
S. Patel
Processing
Day 3
Wire fraud — eliminated
$500M lost to
wire fraud last year.
Fraudsters intercept closing wire instructions and reroute funds. Every wire through Clovet is verified, authenticated, and delivered only through a secure portal — never by email.
🔒
Verified wire instructions · Authenticated portal
📋
Compliance docs automated before funding
Volume efficiency
Eliminate rate lock
extension fees.
$1,840
Avg. rate lock
extension cost
14%
Closings that push
due to title issues
$0
Clovet cost to
your institution
Clovet earns on title and insurance. Your bank pays nothing. Every pushed closing you prevent goes straight to your margin.
CLOVET
Every closing.
Every loan officer.
Zero blind spots.
Free · Enterprise dashboard · Setup in 24 hours
Your closing disclosure just arrived.
Closing Disclosure — 14 Elm St
Attorney fee
$2,500
Title insurance
$1,800
Title search
$450
Recording fees
$320
Municipal lien search
$275
Survey
$900
Transfer tax
$4,200
Misc. adjustments
$1,100
Total due at closing
$11,545
Most buyers learn
what closing costs
at the closing.
Who do I
even call?
Attorney. Lender. Title company. Inspector. 6 parties. Nobody explains who handles what.
Introducing
CLOVET
Your closing · Explained · Handled · Protected
No surprises
See every cost
before you commit.
Your Estimated Closing Costs
Attorney fee
$2,500
Title insurance (TIRSA)
$1,800
Homeowners insurance
$960/yr
Recording & misc fees
$1,045
Estimated total
$6,305
AI answers — 24 hours — plain English
Ask anything.
Get real answers.
11:47 PM
"What is a title commitment — do I need to read all 40 pages?"
Only Schedule B matters — it lists the exceptions to your coverage. I'll highlight anything unusual in yours automatically before you sign.
"Why was closing pushed to Friday?"
The lender needed an updated insurance binder. Your agent sent it 22 minutes ago. You're confirmed for Friday at 10am. Nothing for you to do tonight. 🙂
The bundle advantage
Cover everything.
Pay less for all of it.
📋
Title Insurance
Included
🏠
Homeowners
Save $240/yr
🚗
Auto
Save $180/yr
🌊
Flood
Save $90/yr
You save $510 every year
$500M lost to wire fraud in real estate last year
Your wiring instructions
are never sent by email.
Verified wire instructions delivered inside an authenticated portal only. The only place you trust the numbers is Clovet.
🔒
Verified wire instructions · Authenticated portal only
E
Your Agent
Watching your closing · Live
✓ Contract signed
✓
✓ Title ordered
✓
✓ Insurance bound
✓
CTC pending...
You're never alone
Your agent sees
every step too.
When something happens, they already know before you call. You're connected to the same live closing timeline.
🔑
Clear to close.
Your keys are ready
CLOVET
Know everything
before you sign anything.
Free · No commitment · Instant access
The closing table. Day 30.
Your deal just
collapsed.
A water authority lien from 2018. Nobody found it until the buyer's attorney pulled the title search at the table. The buyer walks. Your commission is gone. Your move-out is scheduled.
This happens on 1 in 4 deals in New York. Clovet catches it in week one.
The question nobody answers
What will I actually
walk away with?
Everyone quotes you a sale price. Nobody shows you what lands in your account after transfer tax, attorney fees, broker commission, title costs, and your mortgage payoff.
Introducing
CLOVET
You're in the room now
AI scans your title search the day it arrives
Lien caught
in week one.
Water authority lien — $4,200
Flagged by Clovet AI · Day 8 · 3 weeks before closing
⚠ Flagged
Lien paid from escrow — deal stays on track
Buyer never knew · Day 11
✓ Resolved
Clear to close — proceeds wired in full
Day 30 ✓
Finally — the real number
Know what you'll
net at closing.
Your Net Proceeds — 14 Elm St
Sale price
$750,000
Broker commission (5%)
−$37,500
Attorney fee
−$2,500
NY transfer tax (0.4%)
−$3,000
Title & misc fees
−$1,800
Mortgage payoff
−$310,000
Your net proceeds
$395,200
You're in the room
See every step
as it happens.
No more attorney silence. You see the same timeline your agent sees — title ordered, search back, payoff received, clear to close.
E
Your Agent
On your deal · Live
✓ Lien resolved
✓
✓ Payoff received
✓
CTC pending...
💰
Your proceeds
just landed.
$395,200 — exactly as projected
CLOVET
Know what you'll net.
Protect your deal.
Free · No commitment · Instant access
CLOVET
Shaban Asif, J.D. invited you
Realtor Account
Close smarter.
Get clients.
Free.
Clovet coordinates your entire closing while keeping you visible to every client at every step.
AI matches you with free buyer & seller leads
No credit card  ·  No contract  ·  Cancel anytime
CLOVET
Shaban Asif, J.D. invited you
Mortgage Lender
Never lose a
rate lock again.
Title status monitored against your rate lock daily. Wire instructions automated.
No credit card  ·  No contract  ·  Cancel anytime
CLOVET
Shaban Asif, J.D. invited you
Institutional Account
Your pipeline.
Total visibility.
Overnight AI risk reports across every active loan. Every officer, every closing, one dashboard.
No credit card  ·  No contract  ·  Cancel anytime
CLOVET
Shaban Asif, J.D. invited you
Buyer Account
See every cost
before you sign.
Most buyers learn their true closing costs at the table. Clovet shows you everything upfront.
No credit card  ·  No contract  ·  Cancel anytime
CLOVET
Shaban Asif, J.D. invited you
Seller Account
Know your exact
net proceeds.
AI catches liens before they kill your deal. Live net proceeds updated daily.
No credit card  ·  No contract  ·  Cancel anytime
Realtor Dashboard
Good morning,
let's close deals.
3
New leads this week
↑ 2 from last week
8
Active closings
2
Issues caught early
2 deals saved
$0
Your cost · Forever
AI Closing Coordinator
✦ Clovet AI — Always On
Ask about any deal — status, flags, next steps, client updates.
Active Closings
14 Elm St, Garden City
Clear to close
✓ Clear
88 Main St, Hempstead
Title in review
⚡ Watch
22 Oak Ave, Rockville Ctr
Open lien — AI flagged
⚠ Action
7 Pine Rd, Merrick
Processing
In progress
Your Referral Links
Share to earn leads and grow your network
clovet.com/r/SARAH24?type=realtor
COPY
clovet.com/r/SARAH24?type=buyer
COPY
clovet.com/r/SARAH24?type=seller
COPY
Every client who signs up through your link is attributed to you. Buyers and sellers without an agent get matched to you first.
New Leads — Matched to You
Michael T.
Buying · Garden City · $680K–$750K · 60 days
High intent

Jennifer & Mark R.
Selling · Westbury · Est. $580K · 45 days
Urgent

David K.
Buying · Merrick · $850K+ cash · 30 days
Very hot 🔥

Lender Dashboard
Your pipeline.
Every closing. Live.
12
Active loans in closing
10
On track for CTC
No rate lock risk
2
Issues flagged early
Locks protected
$0
Partner cost
AI Loan Coordinator
✦ Clovet AI — Always On
Ask about any loan in your pipeline — title status, CTC timeline, rate lock risk.
Active Loans in Closing
14 Elm St, Garden City — $520K
Title clear · CTC ready
Fund Friday
88 Main St, Hempstead — $380K
Title in review · Day 18
⚡ Watch lock
22 Oak Ave, Rockville — $445K
Lien flagged Day 8
⚠ Resolving
7 Pine Rd, Merrick — $620K
Title ordered · Day 3
On track
Rate Lock Monitor
14 Elm St
Expires in 8 days
✓ Safe
88 Main St
Expires in 4 days
⚡ Monitor
22 Oak Ave
Lien resolving — 14 days left
On track
Referral Links
Share with realtors to grow your purchase pipeline
clovet.com/r/CHASE24?type=realtor
COPY
clovet.com/r/CHASE24?type=buyer
COPY
Every buyer who signs up through your link gets your institution branded on their closing timeline. Every realtor who joins becomes a referral partner.
Wire Coordination
14 Elm St
Wire instructions verified
🔒 Secure
88 Main St
Awaiting CTC
Pending
Institution Dashboard
Every loan officer.
Every closing. One view.
47
Active closings
41
On track
No lock risk
6
Need attention
AI flagged
$0
Institution cost
Institution AI Coordinator
✦ Clovet Institution AI
Ask about your pipeline — rate lock exposure, title issues, officer performance, wire status.
Pipeline Overview — All Loan Officers
Address
Loan Officer
Status
Lock
Risk
14 Elm St, Garden City
J. Martinez
CTC Ready
8 days
✓
88 Main St, Hempstead
K. Chen
Title Review
4 days
⚡
22 Oak Ave, Rockville
T. Williams
Lien Flagged
14 days
⚠
7 Pine Rd, Merrick
S. Patel
Processing
21 days
●
190 Shore Dr, Wantagh
J. Martinez
CTC Ready
5 days
✓
Wire Status
14 Elm St
🔒 Verified
88 Main St
Pending CTC
190 Shore Dr
🔒 Verified
Referral Links
Share with your loan officers
clovet.com/r/BANK24?type=lender
COPY
clovet.com/r/BANK24?type=buyer
COPY
Each loan officer gets their own sub-link. All activity rolls up to the institution dashboard.
Buyer Dashboard
Your Closing Package
Account
Property
Coverage
Review
Connected to your agent Sarah Chen — she sees every milestone on your deal in real time
Your Estimated Closing Costs
Purchase price
Attorney fee
$2,500
Title insurance (TIRSA ~0.5%)
$3,250
Recording & misc fees
$1,045
Mansion tax (if over $1M)
$0
Estimated closing costs
$6,795
Select Your Coverage
📋Title Insurance
✓
Protects your ownership against liens, fraud and defects discovered after closing. Required by your lender.
Included
In closing costs above
🏠Homeowners Insurance
✓
Full dwelling and liability coverage. Bundled with title for a discounted annual premium.
$960/yr
Save $240/yr bundled
🚗Auto Insurance
Bundle auto at closing and lock in a multi-policy discount from day one of your new home.
$820/yr
Save $180/yr bundled
🌊Flood Coverage
FEMA zone-aware pricing. Essential for Nassau & Suffolk County near tidal waters.
$680/yr
Save $90/yr bundled
🔒Wire Fraud Protection
✓
Verified wire instructions delivered inside authenticated portal only. Never by email.
Included
$500M lost annually
✦AI Closing Concierge
✓
24/7 AI that answers every question in plain English. Document summaries. Delay explanations.
Included
Always on · No judgment
Insurance Bundle Total
$960
You save $240/yr vs standalone
✦ Ask Clovet AI — 24/7
Plain English · Any question · Any time
Ask anything about your closing — costs, timeline, documents, what anything means.
Property Details
Property Address
Loan Amount
Target Closing Date
First-time buyer?
Seller Dashboard
Your Seller Package
Account
Property
Protection
Review
Connected to your agent Sarah Chen — she sees every milestone on your deal in real time
Live Net Proceeds Calculator
Sale price
Mortgage payoff
Broker commission (5%)
−$37,500
Attorney fee
−$2,500
NY transfer tax (0.4%)
−$3,000
Title & misc fees
−$1,800
Your net proceeds
$395,200
Your Closing Status
Contract signed & uploaded
Day 1
✓ Done
Title search ordered
Day 2
✓ Done
Water lien flagged — $4,200
Day 8
⚠ Resolving
Payoff request sent
Day 10
Pending
Clear to close
Day 30
Awaiting
✦ Ask Clovet AI — 24/7
Seller AI — Any question · Any time
Ask about your sale — what you'll net, the lien, the timeline, the closing statement.
Property Details
Property Address
Target Closing Date
Attorney Name
Primary Lender
CLOVET
🔒
Access Requested
Your request has been received.
If approved, your login credentials
will be on their way within 24 hours.
Confirmation email sent
Your closing desk — live preview
Realtor Dashboard
Good morning,
let's close deals.
Commission MTD
$0
↑ $12,400 this month
3
New Leads
↑ 2 this week
8
Active Closings
2
Issues Caught
2 deals saved
$0
Your Cost · Forever
Commission Revenue — 6 Months
+34% vs last period
Apr May Jun Jul Aug Sep ↑
Active Closings
14 Elm St, Garden City
Clear to close · Est. $18,400
✓ Clear
88 Main St, Hempstead
Title in review · Day 7
Watch
22 Oak Ave, Rockville Ctr
Open lien — AI flagged
⚠ Action
7 Pine Rd, Merrick
Processing · Day 3
In progress
New Leads — Matched to You
Michael T.
High intent
Buying · Garden City · $680K–$750K
Jennifer & Mark R.
Urgent
Selling · Westbury · Est. $580K
David K.
Very hot 🔥
Buying · Merrick · $850K+ cash
Clovet AI — Always On
"22 Oak Ave has an open lien from 2019 linked to a contractor dispute. Recommend a release letter before Thursday."
"14 Elm St is clear to close. All parties notified. Wire instructions sent. Closing confirmed 10 AM tomorrow."
"New lead: David K., $850K+ cash buyer, Merrick, 30-day close. First agent to respond typically wins."
Client Tracker — Sarah M. · 42 Maple Ave
✓
Contract signed & AI-parsed
All parties notified · Day 1
Done
✓
Title search ordered
Nassau Title confirmed · Day 2
Done
Title search in review
AI scanning results · Day 7
Active
Insurance & homeowner setup
Clear to close