How ClosingPack works

The 30-second version

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% of that fee. ClosingPack keeps 30%. 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.

The three rules we never break

1. Homeowners are never charged. ClosingPack is free for the homeowner. Always. Whatever you pay the vendor goes to the vendor.
2. Agents never earn commission on the work done. 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 it RESPA-compliant and ethical.
3. We don't list settlement-service providers. No mortgage lenders. No title companies. No insurance. No escrow. No mortgage-required home inspections. RESPA prohibits paying for referrals to those services, so we don't list them.

What about RESPA?

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, and agents can legally receive compensation for non-settlement referrals as long as that compensation is disclosed.

We've structured everything around this distinction:

• The slot fee is flat monthly, never per-referral, so 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

If you're a real estate agent, a vendor, or a homeowner with questions about how this affects you, email hello@closingpack.ai and we'll send our full legal write-up.

Where the money goes

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.

Why we made the 3-slot limit

Each agent can have a maximum of 3 vendors per category on their pack. So 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. By limiting to 3, every spot is earned, and the agent's recommendation carries real weight.

It also makes the slot itself a scarce resource, which is why vendors are willing to pay for it.

Who runs ClosingPack

ClosingPack is a wholly-owned subsidiary of Workmon Technology, a platform company building software for service businesses. The team comes from the home services industry. We operate LoadUp, a nationwide junk removal marketplace founded in 2014.

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.