LawyerDoneDeal WebDocumentRetrieval® is designed and built to streamline and facilitate your interaction with other parties involved in your real estate deal. Web-based data transmission from the mortgage lender allows you instant no-charge access to the lender materials.

In order to obtain the mortgage instructions, you will need your LSUC ID and LAWPRO password. There is no cost or charge to receive instructions. If you need a LAWPRO password, call (416) 598-5899 or 1(800) 410-1013 to obtain one on the spot.

Transaction fees will only apply if you use of the any additional LDD system capabilities as described in more detail below. Please review the lender instructions carefully in order to determine whether the mortgage lender is requiring that you use any of the system capabilities.

If you use any of the LDD capabilities, you must agree to the LDD Real Estate Services Terms and Conditions and complete and fax in the LDD Real Estate Services Registration form. For instance, if you are doing a transaction with a mortgage lender that requires you to use the Online Request for Funds and Online Mortgage Reporting capabilities, this functionality will only be available once you have provided us with the LDD Real Estate Services Registration Form. (Go to LDD Registration)

Documents have been posted to the Web Site based on your LAWPRO Password and User ID Number. If you click on a specific entry in your Inbox you will see a Transaction Summary page. In the Transaction Summary page additional details are available by clicking on the plus symbol beside each heading.

The lender's instructions and accompanying documents are grouped under the Download Documents heading. You can download all documents by clicking on the symbol to the right of the of the Solicitor Package title. You can view a listing of available documents under each of the Public Documents and Solicitor Package titles by clicking on the file folder to the left of each title. Once you have opened a folder you can also click on each document listed to view and download the document. There is no charge for viewing and downloading documents.

You must click on and open at least one of the documents specifically posted for you in order for the system to identify that you have retrieved the documents.

Information contained in lender documents required for a TitlePLUS^® application can be seamlessly inserted into the TitlePLUS Web-Based issuance systems by clicking on the button beside the TitlePLUS logo in the Controls panel. Once you click the button you will be automatically linked to the appropriate policy application window where you can proceed to complete the application. Do not forget to save your TitlePLUS application. Your TitlePLUS application must be pre-approved before you can request funds.

You cannot transmit information to an existing TitlePLUS application. If new information is posted by the mortgage lender please ensure that you review the relevant TitlePLUS application and manually update your TitlePLUS application to reflect any changes contained in the revised document posting.

There is no charge for transmitting data to the TitlePLUS Web-Based policy application system. Applicable TitlePLUS distribution fees and taxes will apply at policy issuance.

Users can create the actual mortgage document with applicable mortgage schedules by clicking on the button beside Online Mortgage Document Preparation on the Controls panel. The cost of Online Mortgage Document Preparation is $10.00 per mortgage transaction. Data contained in the posted mortgage documents will be pre-populated into the Mortgage created by the system. Users wishing to use the online mortgage preparation capability must have Adobe^® Acrobat^® version 6.0 or higher to create hard copy mortgage documents. These documents can be edited on screen using Adobe Acrobat. If you are working in an electronic registration system, please indicate this to the system when asked and the information from the lender’s documents will be packaged into an "XML" format for uploading into the electronic registration system.

If your instructions require you to electronically request your mortgage advance from the lender, you may do so by clicking the button next to the Request For Funds title in the Controls panel of the Transaction Summary page. It is important that you review the instructions to determine how many days prior to closing the lender requires receipt of the electronic notice. Please review any conditions specified in the instructions to you that the lender requires to be satisfied in connection with the funding of the mortgage. In addition to the lender's instructions, the electronic request for funds may also re-iterate these conditions and specifically require that you review them, or you may be instructed to review the commitment/approval letter, and then confirm on the request that these conditions have or will be met on closing. Note: Where the purpose of funds is an Assumption of the mortgage, there is no transfer of funds, so the electronic request for funds is not required.

The electronic Request for Funds may also ask you to identify the bank account to which you wish the mortgage funds to be transferred. It is important to review the instructions so that you are aware of the manner in which the mortgage funds will be disbursed to you. Once you have sent the electronic Request for Funds, the button next to the Request For Funds title will change to a button which will permit you to view the electronic Request for Funds that was sent to the lender by clicking on the button. For the request for funds and final report, there is a $20 charge. For each additional advance, there is another $10 charge.

Once funds have been forwarded to you, the Funds Transferred indicator on the Status panel will be turned on.

New documents are posted to the LDD WebDocumentRetrieval® website for each advance, creating a new Inbox item. For each advance, make sure you follow the lender's instructions and to do the electronic request for funds.

In order to facilitate the funding of your client's mortgage, Xceed is participating with LawyerDoneDeal and LAWPRO in the Xpress funding initiative. If your mortgage transaction does not qualify for Xpress funding, monies will be wired to your bank as Xceed has done in the past. The differences between Xpress funding and the wiring of money is briefly described below.

"Wiring" means that on the closing/advance date, the lender will wire funds to your financial institution. The financial institution receiving the funds will be where you have the trust account that you have entered in your electronic "Request for Funds". Please be sure that you have entered the details of the account accurately. Neither Xceed nor LawyerDoneDeal have the ability to confirm correctness of this information. You may wish to contact your financial institution to ensure that the wired funds will be posted to your specific trust account as soon as possible as well as the expected timing for receipt of wired funds.

"Xpress funding" means that the transfer of funds will occur directly to your individual trust account. In order to use Xpress funding, your electronic Request for Funds must be sent three days before the closing/advance date. The transfer will go to the trust account that you have registered with LAWPRO for this purpose. You will confirm that data is accurate by entering this trust account information in the Request for Funds. The funds transferred should appear online in your trust account on the morning of closing. Look for the reference, "Credit Memo, XCEED Mortgage", appearing on your online statement.

The choice between the two systems of disbursing funds is made automatically by the lender, depending on whether the Xpress funding requirements (i.e. the request has been made in time and the Solicitor has a registered trust account with LAWPRO) have been met. Wiring is the exception to the rule and occurs when the Xpress funding requirements have not been met.

In either case:

1. the lender's fees for funds transfer will appear as a debit to your client on the mortgage advance statement.
2. you should inquire of your financial institution regarding fees, if any, it may charge you as account holder on receipt of the deposit (whether wired or Xpress funded) and if applicable, determine how and where they will be charged; and
3. you may wish to ask your financial institution if it has an automated system to advise you, by fax or email, of deposits received.

Your instructions from the lender may request that you electronically confirm completion of the transaction. You can confirm completion by clicking on the button next to the title "Closed" in the Controls panel of the Transaction Summary page. If you have not confirmed closing within a specified time (as set out in your instructions from the lender) from the scheduled closing date you will receive a reminder to indicate the closing status to the system. If the transaction has not closed you should click on the button next to Not Closed. You should also communicate directly with the lender to make appropriate arrangements regarding any mortgage funds you may be holding.

Your instructions from the lender may request that you submit the Report to Mortgage Lender electronically. You can submit the Report Mortgage to Lender by clicking on the button next to Online Mortgage Report Preparation in the Controls panel of the Transaction Summary page. Complete the Report to Mortgage Lender by filling in the registration number of the Charge and the date of registration. You must confirm that the information set out in the report is accurate by reviewing the Mortgage Details and clicking on the button.

If you have any further questions or require clarification, please contact LDD Customer Support at 416-367-0600 or 1-800-363-2253 or by e-mail to support@ldd.ca.

If you have problems downloading documents from the Closing Documents Web site, check the following: