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Servicing

Payoff Demand Builder

Turn a servicing record into a dated, defensible payoff statement with per-diem.

Published by Heidar Babazade · Infinivo
Free · v1.1.0

Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.

Free, and about thirty seconds: a work email and a six-digit code.

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What this skill does

Produces a lender payoff demand statement for a bridge loan. Confirms the accrual method from the note rather than assuming it, computes interest from the paid-to date through the good-through date, itemizes advances, and gives the title company a per-diem so they can extend the figure. Every dollar traces to a document, and a human signs before it leaves.

Legal disclaimer

This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.

Inside this skill

The actual file you get. Members can read it in full before saving it.

Payoff Demand Builder

Produces a lender payoff demand statement for a bridge loan from the servicing record.

When to use this

A borrower or their title company has requested a payoff figure and you need a dated, defensible statement good through a stated expiration date.

Inputs you must gather

  • Loan number, borrower name, property address (ask the user; never assume)
  • Current unpaid principal balance
  • Note rate and accrual method (30/360 or actual/365)
  • Paid-to date and the requested payoff date
  • Any advances: taxes, insurance, protective advances, with dates paid
  • Default interest flag, exit fee terms, prepayment terms from the note

What it produces

A payoff statement with per-diem interest, a good-through date, and an itemized ledger.

Method

  1. Confirm the accrual method from the note. Do not infer it.
  2. Interest = UPB x rate x days / basis, from paid-to date through good-through date.
  3. Add advances with their own accrual if the note allows it.
  4. Compute per-diem so the title company can extend the figure.
  5. State a good-through date no more than [PAYOFF_WINDOW_DAYS] out.

Guardrails

  • Every dollar figure traces to a document. If a number is not in the file, ask.
  • Do not state prepayment penalties as applicable without reading the note section.
  • Wire instructions are never included in this document. They go by separate verified channel.
  • A human signs the statement before it leaves.

Legal disclaimer

This skill produces draft work product for review by a qualified professional. It is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend, an offer to sell or a solicitation to buy any security, or a substitute for an appraisal, a title opinion, or licensed legal, tax, or accounting review.

Verify every number, date, citation, statute reference, and conclusion against the underlying source documents before relying on the output or sending it to a borrower, investor, counterparty, or regulator. Laws, licensing requirements, filing deadlines, rates, and market data change — confirm what is current in the relevant jurisdiction. Where a figure is unverified or an input is missing, the output must say so rather than

Reading the full skill counts as a download. The contributor receives your name, company, and email.

Ratings & reviews

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No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.

Examination record

Archive inspectionPackage unpacked in isolation; contents and paths verified
Executable & binary blockExecutables, binaries, and scripts rejected automatically
Static analysisScanned for exfiltration, credential access, obfuscation, prompt injection
Adversarial AI reviewTwo models read the package end to end, one for security and one for accuracy
Human reviewA moderator read the skill end to end. Retired on 14 September 2026 — screening decides now.
What each gate checks

Run it in Claude

  1. Copy the install command above
  2. Paste it into Claude, ChatGPT or Cursor
  3. It writes the skill in, fills in your firm’s details, and test-runs it with you

Prefer the file? The prompt above is for a package you already downloaded.

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Details

Version1.1.0
AddedSep 1, 2026
UpdatedSep 27, 2026
CategoryServicing
Starter kitServicing & Special Assets
Tagspayoff, servicing, per-diem, title

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