Homeowners & Homebuyers

Why work with us?

OneTitle makes buying a home or refinancing a mortgage more affordable, cutting your closing costs and saving you money when it counts the most.

To learn the basics about title insurance, click here for a straight-forward overview.

How to work with us

You have the right to select your title insurance company for both purchases and refinances.
Smart consumers take charge of their transaction and opportunities to save.

To take advantage of OneTitle’s lower rates and direct service, be sure to tell your attorney and loan officer that you choose OneTitle as soon as possible (ideally, before you sign the contract or loan application). Click here for a simple form you can use to protect your rights. Or email info@onetitle.com and one of our title professionals can talk to your attorney or loan officer about the OneTitle difference.

Title insurance is an important, expensive, and, usually, required part of your closing costs. OneTitle, however, can cut your title-related closing costs dramatically.
That puts money back in your pocket right when you need it most.

It all adds up to big savings: 20-40% on most transactions. We shattered the myths that title insurance premiums are set by law and that all companies charge the same rates. While our major competitors work together and file identical rates, OneTitle’s rates are up to 25% lower and we eliminated most fees. Of course, we offer exactly the same coverage—with even more security, including direct backing of individual policies by a $1.5 billion global reinsurer.

The savings can be substantial—thousands of dollars on some transactions.

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OneTitle is the only exclusively-direct title insurer in the United States. We are not a title agent or abstract company and we don’t force our clients to use middlemen. All of this adds up to one simple fact: when you call OneTitle, you talk directly to
decision-makers who resolve complex issues quickly, correctly and proactively.

No other underwriter gives you that kind of access on every transaction. And access means speed, accuracy and efficiency.

We know that your time and reputation are valuable, so we resolve issues upfront, meet deadlines and exceed expectations.

Many title agents, on the other hand, have limited in-house expertise and even more limited underwriting authority. When complex title issues arise, they have to ask an underwriter for help or permission, leaving you waiting for answers. As a direct-only writer, we give you access to underwriter-level expertise previously available on only large commercial transactions. Our underwriting team has deep experience and has completed thousands of real estate transactions in the past decade.

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OneTitle focuses on the markets we know best. Local underwriting and
closing talent ensures a smooth process, quick turnaround and seamless communication.
You will never have to explain local market conventions or factors to an out-of-state underwriter.
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We designed OneTitle from the ground-up to maximize safety and security, eliminating the risks that attorneys face when they work through middlemen. As the only exclusively-direct, regulated insurance company,
OneTitle controls the entire underwriting process and maintains custody of the escrow funds so that you and your clients don’t need to entrust funds to title agents. This level of control protects client funds, prevents theft of escrow funds and ensures that transaction documents are recorded promptly.

The result: your reputation and livelihood are protected from potentially devastating risks.

Furthermore, OneTitle maintains the highest standards for underwriting and utilizes advanced software to protect your clients’ nonpublic information and prevent fraud. The company is a member of the American Land Title Association and adheres to ALTA best practices.

Financial strength. We are private-equity backed with significant financial resources. OneTitle has the financial capacity to take on critical residential and commercial transactions and routinely insures transactions large and small. To give our clients even greater protection, we directly reinsure any transaction over $250,000, giving our clients direct access to the reinsurer in the event of a significant claim.

Our strong, clean balance sheet means no legacy policy liabilities. Moreover, as the sole direct-only title insurer—without any traditional independent title agents—we eliminated the single greatest financial risk: escrow theft by independent agents.

OneTitle is rated by Demotech, the leading independent title insurance rating agency, and is authorized to provide title insurance for all Fannie Mae, Freddie Mac, FHA and HUD loans, as well as jumbo, commercial, and other non-conforming loans.

OneTitle National Guaranty Company is licensed and regulated by the New York State Department of Financial Services.

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OneTitle uses game-changing technology that is decades ahead of
our competitors. Many title agents still use paper files and outmoded
database systems.
Agents with these older systems often cannot respond quickly to status requests, and routinely lose track of information or fail to record documents in a timely way. We ensure the highest standards for underwriting, employ and utilize cutting-edge software to protect nonpublic information.

Our underwriting process minimizes paper. Our servers are SSAE-16 and PCI-DSS compliant, with redundant backup and rapid disaster recovery. Our advanced, proprietary software gives you encrypted and secure access to all of your files, even after closing. Our system also makes it incredibly easy to see file status in real-time, clear exceptions, and get to the closing table faster and with fewer problems.

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