Is my closing disclosure sent to a server?

Your PDF never leaves your browser. Text is extracted locally, then only the extracted text is sent to our API for analysis — never stored, never used for AI training.

Does this replace financial advice?

No. This provides an AI-generated summary for informational purposes only. Consult a mortgage professional or real estate attorney for specific questions about your closing.

What does the analysis include?

Loan terms, interest rate, monthly payment breakdown, closing costs, lender credits, escrow details, cash to close, and flags for costs that differ significantly from your loan estimate.

Can I analyze a loan estimate?

The analyzer is optimized for closing disclosures but can provide a general breakdown of loan estimate documents as well.

Your file never leaves your browser

Understand Your Closing Disclosure

AI-powered analysis in plain language — not legal jargon

Drop your disclosure here

or click to browse • PDF files up to 10MB

AES-256 encrypted
Bank-grade transmission

Zero data retention
Nothing stored or logged

Commercial API
Never used for AI training

Why Analyze Your Closing Disclosure Here

Private by Design

Your file never leaves your browser. Text processed under commercial API terms — never used for AI training.

Plain Language

No legal jargon. Duration, scope, restrictions, and red flags explained in terms you understand.

Structured Output

Loan terms, monthly payment, closing costs, escrow, prepayment penalties, red flags — all organized.

Red Flag Detection

AI identifies clauses that are unusually broad, one-sided, or potentially unenforceable.

Free to Start

3 free analyses per day. Pro for unlimited.

Not ChatGPT

Unlike pasting into a consumer chatbot, your text is never stored or used for training.

Common Questions

Closing disclosures (CD), loan estimates (LE), HUD-1 settlement statements, mortgage notes, and similar real estate closing documents.

Closing disclosures contain your SSN, income, and financial details. ModernPDF uses the commercial API where training on your data is contractually prohibited. No conversation history. No account with the AI provider.

No. This tool provides an AI-generated summary for informational purposes only. Consult your lender or real estate attorney for specific questions.

Loan amount, interest rate, monthly payment breakdown, closing costs, lender credits, cash to close, escrow details, prepayment penalties, and red flags.

Understand Your Closing Disclosure

How It Works

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