CLEAR Home Loans · Confidential
The complete specification for the POS, the LOS, and how they connect.
For the team building the borrower-facing product
The front door: what a borrower, a referral partner and a loan officer touch. Includes the mortgage primer written from zero, 221 numbered functional requirements with acceptance criteria, and the full non-functional set.
For the team building the operations product
The manufacturing line: processing, underwriting, closing, funding and post-close. The role and capability model, the three compliance gates, and 278 numbered functional requirements.
For both teams, together
How the two halves become one system: the ownership matrix, the published stage table, the push and event contracts, and the four compliance boundaries that cross between them.
Section 2 of each product document teaches the mortgage domain from zero — what a loan is, who does what, the documents, the clocks, and the regulators. It is one shared primer, so the two halves cannot teach two different things about the same rule. Every requirement after it is written in those terms, and every rule that exists because of a regulation says so and cites it.