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At HomePartners, we recognize that you have a choice in title insurance companies, and we strive to create and maintain an environment that completely supports you in your work. In addition to our dedication to the below compliance, we adapt to your internal procedures and maintain these methods throughout all of your transactions. We assign teams to your specific account, so you will have consistent processes and points of contact. We are also proficient in various widely used lender closing portals, such as Closing Insight and RealEC, among others.

Our Pledge

At HomePartners Title Services, we have enhanced our Best Practices Procedures according to the recent guidance suggested by the American Land Title Association (ALTA). ALTA created these Best Practices to spotlight policies and procedures the title insurance industry uses to protect lenders and consumers; the Best Practices also ensure a positive and compliant real estate settlement experience. As sensible and powerful tools that promote excellence in business, HomePartners has chosen to ratify and utilize these Best Practices on behalf of our customers’ real estate transactions.

As a result, our customers can rest assured HomePartners is dedicated to:

  • innovating new business practices and tools to enhance the settlement experience
  • providing staff with ongoing quality control and regulatory compliance training
  • implementing written procedures in conformance with the following Best Practices

“The 7 Pillars” of Best Practices

Pillar #1: Establish and maintain current License(s) as required to conduct the business of title insurance and settlement services.

HomePartners holds all State of Florida mandated title insurance licenses as a title insurance agency and for requisite individuals dependent upon job responsibilities. Our underwriters review these licenses on an annual basis. HomePartners provides all required corporate governance filings and reports to the State of Florida as a matter of course. We also secure all local business licenses and permits required to do business for all branch locations we maintain. HomePartners is part of an agreement with ALTA in utilizing all ALTA Forms and affiliated information.

Pillar #2: Adopt and maintain appropriate written procedures and controls for Escrow Trust Accounts allowing for electronic verification of reconciliation.

HomePartners observes all appropriate and essential procedures and controls related to its Escrow Trust Accounts as required by the Florida Department of Insurance, the Consumer Financial Protection Bureau, and our underwriters to safeguard your funds. All Escrow Trust Accounts are reconciled daily.

Pillar #3: Adopt and maintain a written privacy and information security program to protect non-public personal information as required by local, state, and federal law.

HomePartners maintains an Information Security Policy that complies with federal and state law as well as requirements set forth by our underwriters for holding and securing non-public personal information. HomePartners has developed a Disaster Management Plan for the company’s network, systems, and applications. This Plan is in addition to the company’s routine upgrade and maintenance policies, and has been provided to our underwriters. HomePartners utilizes encrypted email for transmitting non-public personal information. We maintain a “Clean Desk” policy for all non-public information stored in our offices. HomePartners performs employee screenings in the form of background checks in its hiring process and regularly conducts background checks. These background checks are available to our underwriters, who may institute random background checks on our employees as well. HomePartners has procured a seven-figure per-incident “Cyber Liability” insurance policy for the benefit of our customers.

Pillar #4: Adopt standard real estate settlement procedures and policies that help ensure compliance with Federal and State Consumer Financial Protection Laws as applicable to the settlement process.

HomePartners has written procedures that delineate our systems and checklists (pre-closing and post-closing) for real estate settlements in Florida that adhere to federal, state, and underwriter mandated requirements. All employees are trained and subject to future training on those requirements. HomePartners maintains training for Mortgage Fraud Awareness and Prevention that includes, but is not limited to, constructing a proprietary Fraud Alert System built on data and information routinely provided to us by our underwriters. HomePartners provides Pricing Procedures and Controls in the form of underwriter’s rate manuals, our production system (RamQuest), and/or online calculators (as appropriate) to help ensure the correct fees are being charged for title insurance policy premiums, state-specific fees and endorsements as filed with the Florida Department of Insurance. All credits, discounts, and other pricing accommodations are provided (whenever applicable) pursuant to our underwriter’s business rules and filed rates along with our filed settlement fees. HomePartners administers written Document and Instrument Recording Procedures and Controls for e-recordings, overnight mailers, and desk presentations.

Pillar #5: Adopt and maintain written procedures related to title policy production, delivery, reporting and premium remittance.

HomePartners maintains all requisite procedures for timely issuance of title insurance policies to owners and lenders as dictated by federal law, Florida Department of Insurance regulations, and underwriter mandates. HomePartners also maintains the appropriate systems to timely report issued title insurance policies to our underwriters, remit payment to our underwriters, and overall meet our legal and contractual obligations.

Pillar #6: Maintain appropriate professional liability insurance and fidelity coverage.

HomePartners secures Professional Liability Insurance (Errors and Omission Insurance as an example) that stands by our financial capacity and commitment to provide professional real estate services to our customers. Such insurance also includes any mandated coverages called for by our underwriters.

Pillar #7: Adopt and maintain written procedures for resolving consumer complaints.

We welcome your correspondence to advise us of anything we can do better. The company has developed written procedures to capture, review, and timely address any issues or concerns you may have regarding our services. You can submit a complaint at Contact Us via our website or simply send company management an email explaining your situation. We want to know about any poor service experience or compliance concern you might have. Your confidence and satisfaction is important to us.

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