# Deed in Lieu Deficiency Note Check

Check a deed in lieu note for the deficiency figure that still needs written confirmation.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The mortgage balance, the settlement figure in the deed in lieu note, and any deficiency confirmation on file.

## Workflow
1. Record the mortgage balance.
2. Record the settlement figure in the note.
3. Recompute the deficiency as balance minus settlement.
4. Flag the deficiency when no written waiver is on file.

## Output contract
file | balance | settlement | deficiency | waiver_on_file | verdict

## Fictional acceptance test
Fictional file had a balance of 210,000 and a deed in lieu settlement of 205,000: a deficiency of 5,000 with no written waiver on file, flagged for confirmation.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/what-is-a-deed-in-lieu-of-foreclosure-en-289/

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