Are Fee Cures Draining Your Profits (and Your Patience)?

Let’s be honest: If you’re a lender or broker, fee cures can feel like walking through a regulatory minefield. One miskeyed fee and suddenly you’re scrambling to fix it—risking profit, deadlines, and your team’s sanity. If fee accuracy keeps you up at night, you’re not alone.

In this article, we’ll break down the real challenges behind fee cures, explain why traditional systems often miss the mark, and show you how Calyx Path can finally give you the reliable, compliant solution you’ve been looking for.

If you’ve ever had to eat the cost of a cure—or worse, explain it to clients or regulators, you know how painful even small slip-ups can be.

Fee Cures on the Rise: What Lenders and Brokers Need to Know

Fee cures aren’t going away anytime soon. Transfer taxes and recording fees have always been complex, but since the CFPB rolled out TRID in 2015, the process has only become more challenging. Between TILA and RESPA disclosure requirements, it doesn’t take much for an error to sneak in—and when it does, the cost of curing those mistakes adds up fast.

That’s why having the right technology in place makes all the difference. With a system that tracks fees, flags issues early, and keeps disclosures accurate from the start, lenders and brokers can protect both compliance and profitability. Instead of worrying about expensive cures, you can focus on closing loans smoothly and confidently.

What Calyx LOS Does Differently: Your Safety Net for Fee Accuracy

Calyx Path is built to take the worry out of fee management. Here’s how it prevents fee cures, before they ever reach your closing disclosures:

• Live Fee Integrations and Compliance Checks:

• Accurately predicts closing costs by directly syncing with selected title companies and disclosure fee providers to furnish estimates of settlement fees, recording charges, and transfer tax costs within Calyx Path. This feature grants the confidence to provide accurate quotes.
• Automated Compliance: Through integration with a specified third-party vendor and compliance services, Calyx Path assesses compliance with relevant laws and regulations on Loan Estimates (LE) and Closing Disclosures (CD) according to TRID guidelines, thereby minimizing the risk of compliance errors

• Built-In Compliance Safeguards

• Custom Fee Templates: Enables standardization of fee lists for various loan types and locations to avoid overlooking any fees.
• Audit Trails: Logs every update, providing a clear record of fee adjustments, including who made them and why.
• Tolerance Screen: Instantly alerts whenever a change threatens to necessitate a fee cure.
• Customizable Business Rule: Configure real-time alerts for fee changes as per your needs.

Key Insight: Calyx Path offers real-time alerts, live integrations, and audit trails to streamline your processes and instill confidence in your fee accuracy procedures.

Quick Checklist: Is Your Fee Process Failing You?

• Are fee cures a recurring issue in your pipeline?
• Do Closing Disclosure details keep you awake at night?
• Have you paid out-of-pocket for tolerance violations recently?
• Is your team bogged down by manual data checks?
• Do audits feel more stressful than they should?

If you answered “yes” to even one, it’s probably time to rethink your process.

Say Goodbye to Fee Cures (and Hello to Predictable Profits)

Resolving fee cures is not only stressful but also financially draining, impacting your time, profits, client relationships, and investor relations.

Calyx Path changes that. Here’s how:

• The Fee Tolerance Screen spots potential violations before they impact disclosures.
• The Rules Engine enforces compliance policies automatically.
• Third-party vendor integrations ensure fees flow directly into disclosures, saving hours of manual work and reducing risk.

With Calyx Path, fee accuracy becomes routine—not a gamble. Instead of sleepless nights and costly cures, you’ll have a predictable, compliant process that safeguards profits and strengthens client relationships.

👉 Curious about how Calyx Path could work for you? Contact us today or visit Calyx Software to learn more.

Sources:

• CFPB - TRID Guidance
• Calyx Software