Own a Title Insurance Agency via Affiliated Business Arrangements Make More on your Closings, Generate More Income
Benefits of Owning an Interest in a Title Agency
  • Substantial return on investment
  • Diversified revenue stream
  • Increased revenue
  • Better customer service
  • Competitive advantage in marketplace

Real Estate Agents, Homebuilders, Developers, Mortgage Lenders and consumers want the best title service they can get.  By owning an interest in a title agency real estate professionals have more control over the the quality of service and can generate additional revenue.

Integrity Title Records assist clients with underwriting, licensing, accounting, personnel, banking, title software, processes, management, regulatory issues and finding the right management company.  It is important to engage a highly skilled escrow and management team to operate the Title Agency effectively and within the law.

Clients include:

  • Fee Attorneys
  • Homebuilders
  • Land Developers
  • Escrow Officers
  • Real Estate Companies
  • Mortgage Companies
  • Banks & Credit Unions
  • Title Agencies

Traditionally, it’s been difficult to enter the title business because of the high cost of title plant access.  Integrity Title has made it easier to participate by lowering the cost of title plant access.   Our goals are to help our clients minimize cost and maximize revenues.

Affiliated Business Arrangements

Ownership of a title Agency by real estate professionals is legal under RESPA but does require important disclosure information be provided to the parties to the real estate transaction. Typically, these firms are referred to as Joint Ventures or Affiliated Business Arrangements.

The Real Estate Services Providers Counsel “RESPRO” assist Affiliated Businesses with the regulatory environment enabling its members to efficiently offer mortgage and title services legally through subsidiaries, joint ventures, and strategic partnerships.

Producers are already in the title business by virtue of their relationship with buyers and sellers and it makes sense to leverage those relationships to legally generate revenue from title premiums.

AFFILIATED BUSINESS ARRANGEMENTS (AfBAs) OBJECTIVES● Create a title insurance agency to support ABA● Share in membership and profitability● Create a service model that helps streamlines the closing process, facilitates one-stop shopping and retention of highly productive real estate agentsCOMPANY FORMATION  ● Structure: Limited Liability Company (L.L.C.)

● Purpose:  Act as a title insurance agency and to perform services incident thereto


● Real Estate Broker/Agents [Entity] and ABA Manager


● Monthly Financial Statements
● Payroll

● Day to Day Management of Operations

● Work Flow Management

● Assistance with Formation and Organization of ABA, including:

o       Preparation of Operating Agreement
o       Secretary of State Entity Filing
o       Texas Department of Insurance Licensing for Escrow Officers
o       Texas Department of Insurance Licensing for Agency
o       Bonding

● Employee Training
RESPA Compliance
● Florida Department of Insurance Regulatory Compliance
Human Resources Services (Staffing, Payroll, etc.)
● Locating Office Space and Negotiating Leases
●Accounting Services Oversight (Reconciliation of Escrow and Operating Accounts,
Annual Underwriter(s) Audit, Tax Preparation, and Monthly Review of Escrow Accounts)
● Retention and Storage of Title Files (15 years-Art. 9.34)
● Closing and Accounting Software License


● Refer Title Business to the ABA Title Company
● Provide Buyers and Sellers with proper RESPA Disclosures


● Adequately capitalized (Minimum $10,000 net worth)
● Proportionately capitalized (example 90% ownership by Producer means Producer(s) provide 90% of capital for RESPA and Florida Department of Insurance compliance)


● Written Disclosures
● Consumer NOT required to use ABA’s title insurance agency
● Payment of profits based solely on ownership, not on amount of referrals
● Adequately, proportionately and legitimately capitalized
● ABA must have its own employees
● ABA must have a separate and distinct office from its other businesses
● Performs substantial services (title examination or closing the transaction)
● Actively competes for new business
● No adjustments to ownership interests or distributions on such interest can be based
    upon the amount of business referred by real estate firm or real estate agents
● Legitimate business purpose (to compete in the title insurance market, streamline
   closing process, one-stop shopping, etc.)


If you are interested in generating more cash flow from your transactions, getting your clients better service, and having access to know that the transaction is going to close, call A1A Title Services to learn about our process and how we can help you own your own title insurance company. Email Jenifer Caplan, Director of ABA programming or call her at 305-707-1907