Title Insurance
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How do you become a title insurance representative?

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2015-07-15 20:54:42
2015-07-15 20:54:42
Become a Title Insurance Representative

In some states, you must be a licensed title insurance producer in order to sell title insurance products.

Check out your state's Department of Insurance website for education and licensing requirements.

Most people who sell title insurance have some mortgage, real estate or legal background; however, it isn't a requirement in most instances.

A Title Insurance Rep is a representative for their company who, in turn is licenced to sell title insurance. In a nut shell, a title rep schmoozes their clients. Being a Title Rep is one of the only sales positions that I can think of where the product you are representing has little, or no variance in quality or price. So, the main job of a title rep is to differentiate themselves from their competitors and this is done by building client relationships.

A title rep typically has a sizable expense account, used primarily to help their potenital clients (Realtors and Mortgage Brokers) build their own business (marketing materials are a typical expense provided by a title rep to the client). The client relationship can be fostered by talking over dinner or a group during happy hour. Often a Title Rep will take the whole office to an event just to build that relationship. By establishing relationships with Realtors and often Mortgage Brokers, these clients become friends... And everybody wants to do business with their friends!!

A Title Rep's income is based on how many individual orders come in from loyal clients (after all they have been wining and dining them for the past 6 months). An order is made everytime the client specifies that you (as the title rep) and your company will be providing the Title insurance on their specific purchase or refinance.

Ohhh HOW do you become one.... SORRY... Be very personable and outgoing. Then march yourself right into any title office, dressed very sharply and let them know you have done all the research in the world about being a title rep, and you would like to set up an interview. It's a sales position, so you must ask for the interview, then ask for the job. Be prepared, know the company... Also, ask a Realtor friend to hook you up. Remember, the title reps want to build relationships with the realtors so the the rep owes them lots of favors. Make this one.


Please note that RESPA regulates what can be spent as a gift or incentive while entertaining clients when it comes to the real estate, mortgage and title industry. It is typically $25.00 per person PER YEAR. Some of the above answers lead you to believe you can legally wine and dine your clients with no recourse.

Real Estate Settlement Procedures Act (RESPA)

RESPA Basics

What is RESPA?

The Real Estate Settlement Procedures Act was enacted in 1974 to prohibit unlawful inducements and kickbacks for the referral of residential settlement services that could unnecessarily increase the cost of settlement services to consumers as determined by Congress. RESPA has often been misinterpreted and the regulations are often unintentionally violated by those who provide residential real estate settlement services.

RESPA covers loans secured with a mortgage placed on a one-to-four family residential property. These include most purchase loans, assumptions, refinances, property improvement loans, and equity lines of credit. HUD's Office of RESPA and Interstate Land Sales is responsible for enforcing RESPA.

What is the purpose of RESPA

The Real Estate Settlement Procedures Act is a consumer protection statute for the purpose of:

  1. To help consumers become better shoppers for settlement services and
  2. To eliminate kickbacks and referral fees that unnecessarily increase the costs of certain settlement services.

What is RESPA Section 8?

RESPA has two main areas of emphasis: (i) giving consumers better advance disclosures of settlement (closing) costs, and (ii) eliminating kickbacks or referral fees that unnecessarily increase closing costs. The latter is directed towards the practices of various "real estate settlement service providers."

==Those entities include lenders, title companies, escrow companies, termite inspectors, insurance companies, and, of course, real estate brokers and agents.==

What is a RESPA Section 8 Violation?

Section 8 of RESPA prohibits a person from giving or accepting anything of value in exchange for the referral of settlement service business. It also prohibits a person from giving or accepting any part of a charge for services that are not performed!

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