Paid field work on real loan files

The fee is posted before you claim.

WAITLIST roster open

You have finished work at nine at night and then waited two months to learn what it paid.

Written for the mobile notary with a signing book, the field examiner between engagements, the appraiser holding a live certification, the loan-file processor working conditions and packaging, and the lot auditor working one desk's bench.

This roster posts one act at a time on real loan files. An act is one briefed job on one file, and an act class is a kind of act: a condition recorded, a unit located, an employment confirmed. Nothing here is claimable yet: the roster is open, the catalog below says which kinds are refused and what would have to change first, and that is the honest state of it.

Get on the roster

Three questions, about a minute. The button opens an email to roster@gigs.loans, prefilled with all three.

roster@gigs.loans

Everyone on the roster is contacted before the first act posts, and this page says so before that mail goes out.

A person reads it. What you send is held as your roster record: not verified, not published, not sold, and never passed to a Lender as a lead. No operating entity, jurisdiction, privacy page, or terms page is named on this door yet.

Read the act catalog

Every kind of act, what it needs from you, and the ones that are refused, with what would have to change first.

Example card. No act is posted yet, so the fee field is stamped SPECIMEN and carries no number.

Act: Property condition report
Where: Texas. Real-property acts follow the property, never your address and never the Lender's home state.
What you would do: Record the condition of the property against the report's own schedule, photograph each item in place, and record what you could not observe and why.
Fee: Flat, fixed when the act is posted, and visible before you claim. No File Fee is posted here yet: the File Fee is the flat number posted with an act, and on a posted act it renders here, before you claim, and it is the number paid.SPECIMEN

What is in the packet. Locked until you claim. The property and the report's schedule. Not the Borrower's credit file.

SPECIMEN

Flat, fixed when the act is posted, and the same whatever anyone decides.

You know how the money usually works, so here is how it works here. This roster posts the whole card first, the flat fee included, and you read the card before you claim anything.

Flat, per act. Never a percentage of the loan amount. Never a function of the rate, the term, or the credit amount. There is nowhere in this system to put a cut of the loan, so nobody upstream can pay you out of one.
Fixed when the act is posted. There is no adjustment field, no short-signing field, no scan-back deduction, and no trip charge anywhere in it. Travel is inside the posted fee or it is not paid, and that is decided when the act is posted, not after you drive.
Visible before you claim. The number is on the card, and the card is what you read before anything unlocks.
The same whatever you decide. Attest, send it back with defects noted, or abstain with a reasoned memo. All three are completed professional work and all three pay the posted fee.
The same whatever the Lender decides. Nothing in the payout reads the Decision, which is the Lender's yes or no on the file, so nobody upstream can pay you more for saying yes. No one can make one finding worth more than another, and no record here counts approvals, because a record that counts approvals is a machine for steering the people it counts, and you would be the one steered.
Paid for an act that was performed and recorded. That is the trigger, and it is the fact the payout reads.

No File Fee is posted yet, for any act class. When one posts, it will be on the card, it will be the number paid, and it will be the first thing on this page that changes.

Flat, and posted before you claim.

You read the card before you claim. You never pick up a cold file.

You decide from the card, not from a phone call. A panel tells you there is work. A card tells you what the work is. Everything below is on the card before you claim, and the file itself stays locked until you do.

An act card, as it reads before you claim. SPECIMEN: no act is posted here yet, and no fee is posted for one. The league field names the tier an act would post to, never a rank you hold or supply.

{
  "object": "act_card",
  "specimen": true,
  "act_class": "act.observe.condition-report",
  "act": "Property condition report",
  "league": "L1",
  "jurisdiction": { "state": "TX", "rule": "PROPERTY_LOCATION",
    "note": "Real-property acts follow the property's location. Never your address, never the Lender's home state." },

  "scope": "Record the condition of the property against the report's own schedule, photograph each item in place, and record what you could not observe and why.",
  "evidence_schema": [ "parcel_confirmed", "schedule_items_rated", "geotagged_images", "observed_at", "not_observed_reason" ],

  "conflicts_sheet": { "populated": true, "independence_screen": "transaction-side-interest",
    "interested_parties": [ "SPECIMEN HOLDINGS LLC (Borrower)", "SPECIMEN CAPITAL LLC (Lender)" ],
    "note": "If you hold an interest in any party listed, do not claim this act. Not claiming is a Pass: it costs nothing, needs no reason, and is written nowhere." },
  "sponsorship_required": false,
  "sponsoring_entity": null,
  "practitioner_coverage_required": [ "errors_and_omissions" ],
  "clock": { "name": "FILE_CONDITIONS_DUE", "position": "day 3 of 10", "owner_party": "Lender" },

  "file_fee": { "flat": true, "fixed_at_post": true, "amount": "SPECIMEN",
    "note": "No File Fee is posted on this door yet. On a posted act the number renders here, before you claim, and it is the number paid." },

  "packet": "Locked until you claim. Contents are minimized to this act: the property and the report's schedule. Not the Borrower's credit file."
}

SPECIMEN

The sponsoring_entity field is empty on this card because this act is not a licensed one. On a licensed act it cannot be empty. An assignment with no named sponsor is not something this door refuses to make; it is something the schema cannot express.

Attest, send it back, or abstain. All three are the work.

Refusal in this trade is usually priced as a relationship, which means the only people who refuse are the ones who can afford to. Here it is priced at the posted fee, like everything else.

Attest. You verified what you were sent to verify and you put your name on what you found. Your name, and where the act is licensed your credential, ride the artifact, and the artifact becomes part of the Loan File.
Send it back. The act is complete and the file returns to the preparation loop with the defects noted. That is professional work, not a refusal, and it is paid.
Abstain. The facts could not be verified, the appointment could not be lawfully completed, or the unit is not where the file says it is. A reasoned memo, paid, and final. Nothing commits past it: not a process, not a meter, not an operator.

And before any of that: a Pass. You can simply not claim an act. No reason, no memo, no cost, and nothing written anywhere. It is the ordinary way to leave an act the Independence Screen would bar you from, which is why the interested parties are on the card and not behind the claim.

In lending, a Declination is the Lender's decision about a Borrower, and the two never share a word, a button, or a metric. Here you attest, you send back, or you abstain.

The whole catalog, including the acts that are refused.

You have been told a panel has work before. This is the catalog instead: every act class this door would post, what it needs from you, and its honest status today. Nothing below is claimable. Five act classes are not merely unbuilt, they are refused, and the catalog says which ruling would open each one.

Every row starts by asking for Enrollment, so here is that word before you meet it twelve times. An enrollment is the record this door holds for you: the act classes you perform, and the states you perform them in. This door opens one or nobody does, and none is open today, for anybody, because no act is posted for one to be held against. The roster is where that record starts, and that is the whole of the relation between them: what you send to the roster is the enrollment record, asserted, unverified, and never eligibility. Eligibility is checked per act, per state, at the moment you claim, and every one of those checks is set out further down this page.

Observation: you were there and you record what was there.ROADMAP

Act	What you would do	What it needs from you	League	Status
Lot audit of one floored unit	Locate the unit, confirm VIN and odometer, photograph it in place, record what you could not observe	Enrollment, Practitioner Coverage in force, and no interest in the dealer, the unit, or the Facility	L1	ROADMAP
Field examination of a borrowing base	Test the reported base against what is on the floor and in the records, and record the variance	Enrollment, Practitioner Coverage, and no interest in the Borrower or the Facility	L2	ROADMAP
Inventory tie-out at a Borrower site	Tie counted inventory to the reported schedule and record every exception	The same, plus site access arranged before the act is posted	L2	ROADMAP
Property condition report	Record the condition of a property against the report's own schedule, with images	Enrollment, Practitioner Coverage, site access, and no interest in the property	L1	ROADMAP
Construction draw inspection	Record percentage complete against the draw schedule and note what is not in place	The same, plus no interest in the builder, the property, or the draw	L2	ROADMAP
Occupancy and site verification	Confirm a business or a property is where and what the file says it is	Enrollment and Practitioner Coverage	L1	ROADMAP

Verification: you confirm a fact against a source and record the source.ROADMAP

Act	What you would do	What it needs from you	League	Status
Verification of employment	Confirm employment with the source the file names, and record the source, the method, and the date	Enrollment. The authorization is captured before the act is posted; it is never yours to obtain	L1	ROADMAP
Verification of income	Confirm the income the file states, against the same recorded authorization	The same	L1	ROADMAP
Verification of deposit or asset	Confirm the account or asset stated, against a recorded consent	The same	L1	ROADMAP
Business existence and operations verification	Confirm a business operates as described, by call and by record	Enrollment	L1	ROADMAP
Invoice verification for a factor	Confirm an invoice with the account debtor and record the confirmation	Enrollment, and no interest in the account debtor or the receivable	L1	ROADMAP

Instrument: you perform a statutory formality. Licensed, always. All four are refused today.ROADMAP

Act	What you would do	What it needs from you	League	Status
Notarial signing appointment, in person	Identify the signer, take the acknowledgment, complete the certificate, return the package	A commission in the signing state, no beneficial interest in the instrument, Practitioner Coverage including your bond, a named sponsoring entity, and two rulings this door does not have	L2	ROADMAP
Remote online notarization	The same act, performed under your RON authorization and the signer's state's rules	The same, plus RON authorization	L2	ROADMAP
Hybrid or electronic closing session	The same act inside an electronic closing, with the electronic note handled under its control regime	The same, plus a contracted electronic vault rail	L2	ROADMAP
Lien release execution and recording submission	Execute the release and submit it for recording, and record the submission evidence	The same, plus a county recording account arranged before the act is posted	L2	ROADMAP

Curative: you find a defect and clear it, or you document why it is not cleared.ROADMAP

Act	What you would do	What it needs from you	League	Status
Title curative abstract	Search the chain, identify the defect, and clear it or record why it stands	Enrollment, search access arranged before the act is posted, no interest in the property or the chain, and a ruling this door does not have: on a federally related mortgage loan the fee paid for this act sits under RESPA Section 8, and no fee for one is posted until counsel rules	L3	ROADMAP
Condition clearing pass on a Loan File	Work the file's open conditions, clear what clears, and record what does not	Enrollment	L2	ROADMAP
Loan-file packaging pass	Assemble the file to the stated schedule and record every gap	Enrollment	L1	ROADMAP
Post-close quality-control audit pass	Re-test a closed file against its own checklist and record the findings	Enrollment, and no prior act by you on that file	L2	ROADMAP
Custodial and document-custody exception clearing	Clear document-custody exceptions and record the disposition of each	Enrollment, custodian access arranged before the act is posted	L2	ROADMAP

Fees are absent from this table because none is posted. A fee posts with the act class, on the card, before you claim.

The League column says which tier an act would post to. It is not a seventh thing you supply and it is not one of the checks in the next section. A League is assigned from work you have already recorded, never from how many credentials you hold, and everyone who enrolls starts outside the ladder. No path up it is posted yet, and none will be described here before one is.

The five refused act classes are the four instrument acts and the title curative abstract. Every one of them names the ruling that would open it, in the same cell as what it would need from you.

Nothing above is claimable, and the catalog says what would open it.

An act class that is not open does not disappear from this catalog and does not become a form. It returns this.

The catalog's answer for an act class that is not open. SPECIMEN: the shape is the contract.

{
  "object": "act_class",
  "specimen": true,
  "act_class": "act.execute.signing-in-person",
  "act": "Notarial signing appointment, in person",
  "claimable": false,
  "status": "ROADMAP",

  "typed_refusal": { "reason": "UNRATIFIED_ACT_CLASS",
    "detail": "This act class is typed in the registry and is not open. It is not missing, and it is not arriving quietly.",

    "clears_when": [
      "Worker classification under a sponsoring entity is ruled. An employment answer for this act class removes it from this door rather than delaying it.",
      "The referral and unearned-fee posture under RESPA Section 8 is ruled by counsel.",
      "Who procures Practitioner Coverage is ruled.",
      "The jurisdiction rules are ratified for this state and this act class.",
      "A File Fee is posted and the payout rail is real."
    ],

    "not_a_promise": "None of the above is scheduled. This states what is true now and what would have to change."
  }
}

SPECIMEN

Nothing above is a queue and nothing above is a schedule. It is the list of what is not open and the rulings that would open it. If none of those rulings lands, this list reads the same in six months.

What is checked before an act reaches you.

Work reaches you inside your credential, your states, and your act classes, and nowhere else. Seven checks, each one binary, each one evaluated for that act and not for you in general.

Your credential, element by element, each with its own standing and its own expiry, verified against the issuing registry rather than asked of you.
The state, derived by the rule that governs that act. Collateral acts follow the unit. Real-property acts follow the property. Notarial acts follow your commissioning state, and remote acts additionally follow the signer's. One field for all of them would be wrong for most of them.
The act class, which you enrolled for and which your credential covers.
Fresh standing. Suspension of one element of a credential never implies suspension of another, and never implies the others are current.
Practitioner Coverage in force: your errors-and-omissions policy and, where the act requires it, your surety bond.
A named sponsoring entity, on any licensed act, with you named on the artifact.
The Independence Screen, wherever a statute imposes one.

The Independence Screen is a bar, not a disclosure. Appraiser independence and notarial disqualifying interest are statute. The Independence Screen removes you from the act, and it is never satisfied by putting a wall between you and the file. Nothing here is walled.
No record ever crosses a bar, in either direction. A strong record does not open an act your credential does not cover, and a thin one does not close an act it does.
What this door does not carry, said plainly. Practitioner Coverage means your own policy and your own bond. This door does not carry insurance that names you, and it will not say that it does.

What this roster never does.

Each line below names something this system has no field for. None of it depends on anyone here keeping their word.

Never pays on an outcome. The payout has no field for the loan amount, the funded volume, or the direction of a Decision. It reads the recorded act, and there is nothing else for it to read.
Never grades you on approvals. Your record is acts completed, turnaround against the file's own clocks, evidence quality, send-back rate, downstream acceptance, and re-verification rate. Approval rate is not on the list because there is no field for it.
Never scores a refusal. A Pass is written nowhere. A Send-back and an Abstention are completed professional work at the posted fee.
Never charges you. No enrollment fee, no background-check fee, no subscription, no lead fee, and no priority tier you can buy. Money moves one way on this door.
Never pools an act the law reserves to a Lender. Extending credit, taking the Application, negotiating terms, and deciding are the Lender's. No sponsorship makes one of them yours, and no fee here is ever paid for introducing a Borrower to a Lender.
Never puts you on a licensed act without a named sponsor. An assignment whose sponsorship field is empty cannot exist.
Never shows you more of a file than your act needs. A lot auditor sees the unit and the lot. Not the Borrower's credit file, not the Decision, not the loan amount.
Never calls you ours. Not our notary, not our field team, not our network of professionals. You are an independent professional named on the artifact, and the artifact is the point.
Never changes a posted number. Not after you claim it, not after you drive, and not after the file closes.
Never implies liveness. The roster is the only live thing on this door. Every act class above says ROADMAP, and every artifact says SPECIMEN. The LIVE stamps in the family map below belong to sibling doors and are reported, not claimed.

None of it depends on anyone here keeping their word.

Who is never enrolled here, and one line for everyone who is.

Loan brokers and lead generators are never enrolled here. The ground is structural rather than a preference: offering or negotiating terms, taking an application, and counselling a Borrower on which product to take are acts the law reserves to a Lender under the SAFE Act and its state analogs. No pool performs one, and no fee on this door is ever paid for introducing a Borrower to a Lender. It is a lawful trade. It is not this one.
One line belongs to everyone else, and it matters most at a table. If you are asked what the rate is, whether the payment is right, or whether they should sign, that is a Lender question, and it stays one whether or not anybody signs anything afterward. The file names the party who may answer it. Routing it is part of the act, and the act records that you routed it. A disclaimer is not a substitute for the route, which is why the route is in the evidence schema and the disclaimer is not.

One field trade is not this door's, and it is worth saying which. If the work is securing a property, winterizing it, boarding it, or clearing it, that is a job you finish rather than a fact you sign, and this door does not post it. This door posts the inspection of that same property. The two trades stand next to each other on one asset and they are not the same trade, so they are not the same door.

Get on the roster.

Three questions, and a person answers them. Which acts you perform. Which states and credentials you hold. Whether your Practitioner Coverage is in force, meaning your errors-and-omissions policy and, where the act requires it, your surety bond.

Being on the roster is not eligibility. The roster records what you have told us, and it is not verified and is not an input to anything. Eligibility is checked per act, per state, at the moment you claim. The marketplace is not open, no act is posted, and no fee is posted for one. This door will tell you when there is no work, which is the one thing a panel never does.

roster@gigs.loans

Acts I perform
States and credentials
Practitioner Coverage in force (E&O, and bond where the act requires one)

Get on the roster

As soon as we're ready for someone with your profile and requirements, we'll be in contact.

One family. This is the door the people are on.

api.X is one API for one profession. apis.X is a family of APIs sharing one key. A door is one property in that family, and gigs.loans is the supply door: where the acts a machine may never perform go to a person who may. The stamps below are each door's own stamp for itself, read from the family manifest on the date this page was published, and each Role cell says what that door says about itself.

Property	Status	Role
gigs.loans	WAITLIST	You are here. The supply door. The roster is open; no act is posted.
apis.finance	LIVE	The hub. The kernel, the data catalog, the key, the docs, the served rate card. Its own door states that nothing on it is callable over HTTP today: no `/v1` route answers, and its x402 and MCP doors are ROADMAP.
apis.credit	ROADMAP	The data door. Business credit, KYB, lien intelligence. Posted and priced in draft; not yet callable.
apis.loans	ROADMAP	The origination door, standing at its own address until origination is live through licensed partners.
apis.mortgage	WAITLIST · entity-gated	A separate property under its own paper. It moves no one into the hub: if you land there, you stay there.

No act is posted here today, and the roster is what there is to do about that.