Built on RESPA. Not around it.
No corporate-speak, no hidden fees, no asterisks. Here's exactly how ClosingPack works, where every dollar goes, and the rules we never break.
What this is, plainly.
Real estate agents already recommend home-service vendors to their clients: painters, cleaners, plumbers, movers, and the whole list. Today they do it for free, and the vendors who get those referrals are wildly grateful.
ClosingPack turns that informal arrangement into a clean, disclosed transaction. Vendors pay a flat monthly fee to be on an agent's "pack," a curated list of recommended vendors organized by category. The agent earns 70 percent of that fee. ClosingPack keeps 30 percent. Homeowners pay nothing, ever.
Every booking page openly tells the homeowner that vendors pay a placement fee to be listed. No hidden referral fees. No cuts on the work the vendor actually does. No commissions on settlement services.
What we never break.
Homeowners are never charged
ClosingPack is free for the homeowner. Always. Whatever you pay the vendor goes to the vendor. We're not in the middle of that transaction.
Agents earn from placement, not work
The agent's earnings come from the monthly slot fee, a flat amount independent of whether you hire the vendor or how much work they do. This is what makes the model RESPA-compliant and ethical.
No settlement-service providers
No mortgage lenders. No title companies. No insurance. No escrow. No mortgage-required home inspections. RESPA prohibits paying for those referrals, so we don't list them.
Why this is legal.
The short answer: RESPA only covers settlement services. ClosingPack only lists non-settlement services. Same as a magazine paying a chef for a recommendation.
RESPA (Real Estate Settlement Procedures Act) is a federal law that prohibits paying or receiving kickbacks for referrals on what are called settlement services, the services involved in closing a federally-related mortgage.
The list of settlement services is specific: mortgage origination, title insurance, escrow, appraisal, mortgage-required home inspection, credit reports, property surveys, attorney services involved in closing. ClosingPack lists none of these.
What we do list: post-closing home services. Junk removal, painting, cleaning, landscaping, HVAC repair, plumbing, electrical, handyman, and roofing. These are services that happen after closing and have nothing to do with the mortgage transaction. They are explicitly not settlement services under RESPA.
How we stay clear by design
- The slot fee is flat monthly, never per-referral. It can't be characterized as a "thing of value given in connection with a referral."
- Every booking page prominently discloses the payment arrangement to homeowners, meeting NAR Code of Ethics Article 6 disclosure requirements.
- Vendors agree they will not offer settlement services through the platform.
- Agents can't price-tier slots based on referral volume from specific agents, only by service category and agent tier.
Every dollar, accounted for.
Then, separately, the homeowner pays the vendor directly for any work performed. ClosingPack takes no cut of that. The agent earns no commission on it. The transaction between homeowner and vendor is theirs alone.
The platforms that win are the ones that disclose more than they have to, not less. Trust scales. Tricks don't.
Why we cap at 3 vendors per category.
Each agent can have a maximum of 3 vendors per category on their pack. If you're looking at Jane Patterson's recommended painters, you'll see at most 3. Not 30.
This is intentional. The whole value of ClosingPack is curation. If an agent had 20 painters listed, the list would be meaningless, closer to Angi's Yellow Pages than a trusted personal referral.
It also makes the slot itself a scarce resource, which is why vendors are willing to pay for it.
Who runs ClosingPack.
ClosingPack LLC is a Georgia limited liability company founded by Greg Workmon. Greg also owns LoadUp, a nationwide junk removal marketplace founded in 2014. The team comes from the home services industry.
We built ClosingPack because we lived the other side of this problem for ten years. As a junk removal company, we got referred constantly by real estate agents who had done the math on which vendors to recommend, but we had no way to thank them other than wishing we could. ClosingPack is the formal version of what was already happening informally.
Questions?
Email hello@closingpack.ai. We respond within a day.