Platform The Report Risk Tiers Products Why CURE Request a Demo

Instant Title is finally here

Instant Title.
From the Source.

CURE automates real estate title examination on the Official Public Records — the Grantor/Grantee indexes and recorded documents that establish ownership, liens and encumbrances. Not a prediction of what the record should say. An examination of what it actually says.

  • Days → minutestraditional timelines compressed
  • InsuredLife-of-Loan Insurance Policy Included
  • Human-verifiedunderwriter rules + expert review

CURE Order · Charles County, MD

Residential Refinance · Two-Owner Ownership and Encumbrance Exam

Examining
  1. Grantor/Grantee index searched1967 – 2026
  2. Two-owner chain completedVerified
  3. Instruments examined35 docs
  4. Title vestedVerified
  5. Voluntary liens examinedVerified
  6. Involuntary lien — 1 located, out by timeExcluded
  7. 2026 property tax — delinquentFlagged
  8. Bankruptcy & OFAC screenedClear

Title status

Marketable, subject to open items

2 open deeds of trust · payoff verification required · 7 examiner recommendations

The difference

“Instant Title” has been talked about for years. Until now, it has largely been just that — talk.

The industry has seen automated search products, limited examination engines, third-party data solutions, offshore aggregation models and increasingly sophisticated predictive platforms. Each promised to make title faster.

But a fundamental difference exists between predicting what the public record should say and examining what it actually says. That difference is CURE.

Rows of bound county land record books in a records vault

Source of truth

Built on the same authoritative source the title and lending industries have trusted for generations: the Official Public Records.

Platform

Examine. Analyze. Deliver.

CURE doesn't reinvent the proven title-examination process. It automates it — multiple manual steps become a single technology-driven process, straight from the public record.

01

Examine

Retrieve, read and verify

CURE goes directly to the county land records, retrieves the actual recorded instruments and reads every deed, mortgage, assignment and release against the subject property — including handwritten and corrected documents.

  • Ownership & vesting
  • Conveyance history
  • Mortgages, assignments & releases
02

Analyze

Identify risk, resolve issues

Underwriter rules-based analysis classifies risk, separates subject from non-subject instruments, and flags judgments, liens, tax delinquencies and easements before they reach the closing table.

  • Judgments & liens
  • Property tax
  • Bankruptcy & OFAC
03

Deliver

Result + the exam behind it

A structured, client-ready Ownership & Encumbrance report — paired with Abstractor Notes & Chain and examiner recommendations — delivered into your existing workflow.

  • OE Report
  • Abstractor Notes & Chain
  • Supporting instruments
Close-up of a recorded deed with a handwritten legal description and county seal

Under the hood

Automation applied to the examination itself.

CURE combines modal agentic AI with a Synthetic Iterative Decisioning (SID) engine — natural language processing paired with a deterministic underwriting rules engine and agentic, self-directed search.

Ingest
Complete county-level document payloads – deeds, voluntary and involuntary liens (mortgages/judgments), bankruptcy, OFAC, property tax and other title-affecting instruments.
Read
Page images are checked, not just OCR text.
Decide
Consistent, underwriter rules-based risk classification across every transaction with human intervention where it's needed.

A CURE exclusive · What's inside every CURE examination

The Ownership and Encumbrance Report tells you the result; CURE shows the examination behind the report.

The Ownership & Encumbrance Report is the client-facing result. CURE Abstractor Notes & Chain are a proprietary behind-the-scenes record of how the exam was performed — what was reviewed, what was excluded, what issues were found and what should happen next.

The result · Client-facing

Ownership & Encumbrance Report

A clear, lender-ready statement of who owns the property and what encumbers it, drawn from the Official Public Records and delivered in a standardized format your team can act on.

  • Vesting & ownership Current owner of record, manner of holding and the vesting instrument.
  • Open mortgages & deeds of trust Priority, recording references and amounts of record.
  • Judgments, liens & lis pendens Voluntary and involuntary liens, plus UCC filings.
  • Bankruptcy & OFAC Screening results for every party in interest.
  • Property tax status Current and delinquent taxes, flagged for collection.
  • Legal description & requirements The insured parcel and what must happen before closing.
Contact sales to see a sample report
The examination · A CURE exclusiveIndustry exclusive

Abstractor Notes & Chain

The proprietary record behind every report: how the examination was performed, what was reviewed, what was ruled out and why. No one else in the industry delivers it.

  • Title Examination Summary At-a-glance intelligence on ownership, chain of title, open liens, taxes and key encumbrances.
  • Chain of title Every conveyance in the search period, owner by owner, with the instruments that connect them.
  • Examined & Excluded Why non-subject instruments were ruled out, so nothing is assumed.
  • Complete Instrument Inventory Search scope, every relevant document and the examiner's disposition of each.
  • Examiner's Recommendations Warnings, curative guidance, payoff requirements and pre-closing actions.
Contact sales for a guided walkthrough

Want to see the reports in action? Samples of the Ownership & Encumbrance Report and the Abstractor Notes & Chain are available through your CURE Account Executive.

Contact sales

The Report + The Examination Behind the Report.

Risk-scored decisions

Every file classified on a 3-tier scale.

Consistent, accurate risk evaluation across all transactions — with automatically generated curative workflows that show exactly what is needed to clear encumbrances or defects.

Level 1 · Clear

Ready to proceed

No title issues detected. Search and exam are complete. Automated approval enables immediate advancement to closing preparation.

Level 2 · Review

Clerk-level review

Minor risks flagged with recommended actions, allowing efficient resolution by support staff.

Level 3 · Escalate

Underwriter intervention

Significant defects escalate to experienced underwriters with detailed analysis and recommended remediation paths.

Products

Order the examination your transaction needs.

Transaction-based pricing for lenders and settlement providers. Every Search & Exam is insured with an individual life-of-loan policy.

CURE Two-Owner Exam

Full examination of the current vesting plus the prior owner's tenure — deeper chain for purchase and higher-risk transactions.

CURE Current Owner (24-month)

Current-owner search and exam delivered as a complete Ownership & Encumbrance report with Abstractor Notes & Chain.

CURE Vesting / UCC / Document Retrieval

Customized search & exam criteria and integration-capable.

Insured

Full transactional insurance coverage that goes beyond the industry-standard Errors & Omissions policy.

Pricing and integration details are available from an Account Executive. Contact sales →

Why CURE

Instant Title shouldn't mean guessing faster.

It should mean performing the title examination faster. CURE brings automation to the source of truth — the public land record — and applies technology to the examination process itself.

Predictive & aggregated title data CURE
Source Recycled third-party datasets and aggregated title information Official Public Records — Grantor/Grantee indexes and recorded document images
Method Predicts what the record should say, often from credit-driven assumptions Examines what the record actually says, instrument by instrument
Transparency A result, with little visibility into how it was reached The result plus Abstractor Notes & Chain: reviewed, excluded and why
Next steps Data handed back — curative work is yours to figure out Examiner's recommendations and automated curative workflows
Risk Liability often left with the client Individual life-of-loan policy on every Search & Exam

Not a credit model.

Not a title-data shortcut.

Not another aggregated database.

Real title examination. Powered by automation. Built on the public record.

Who it's for

Built for recurring title volume.

Lenders

Risk-scored, insured title decisions for refinance, HELOC and home-equity pipelines — in minutes instead of days.

Title agents & underwriters

Automate most or all of the examination workload while maintaining compliance standards — escalating only what needs an expert.

Settlement providers

Scale order volume without scaling headcount. Client-ready OE reports delivered into your existing workflow.

See the examination behind the report.

Talk with an Account Executive about a pilot, pricing and integration.

Deeper insights · Cleaner closings · Greater confidence