The most critical real estate knowledge is always local
Independent agents understand the history and intricate nuances of real estate in your community. This is especially important when time is of the essence.
They are the only independent party in a real estate transaction
Independent agents are there to protect all parties in the transaction and assure an accurate, speedy and timely closing. They conduct an average of 135 steps on each real estate transaction that include critical assurances to buyers, lenders and sellers in order to validate the right to use and transfer real estate.
Independent agents are local and accessible to you
They live in your area and will be there when you have a claim – they will help you as long as you own your property. Independent title agents are skilled professionals who have the local understanding and expertise to protect you.
They can help you with every real estate transaction you have and don’t leave town when times get tough!
They own businesses in your neighborhood and support your community
Local title offices are staffed by talented professionals who help your county maintain and keep the records system updated to protect the ownership of those buying real estate.
These professionals volunteer in your schools, belong to your community organizations, coach youth sports, and have a real, viable lifelong interest in the success of your community.
They live in your community and provide jobs to your neighbors.
- They pay real estate taxes and payroll taxes where you live.
- They are an integral part of the fabric of your community, investing and volunteering in local charitable and community organizations!
- They help collect back child support, pay to improve county records, help collect delinquent taxes and much more.
Our independent agents share our core values
Alliant National partners with only the finest independent title insurance agents – those who have earned solid reputations and demonstrated consistent ability to weather the ups and downs of the business cycle. You can be sure that our partners share our values of integrity, community involvement, quality and responsiveness.
Click here for a list of our independent agents in your area. ]]>
The American Land Title Association issued its Title Insurance and Settlement Company Best Practices to protect consumers, which pertain to seven operational areas. Best Practices is a voluntary tool designed to help title companies demonstrate the safeguards they have in place to ensure closing activities meet all applicable laws and regulations.
1. Licensing: Establish and maintain current license(s) as required to conduct the business of title insurance and settlement services.
Purpose: Maintaining state mandated insurance licenses and corporate registrations (as applicable) ensures that the company remains in good standing with the state.
2. Escrow / Trust Accounting: Adopt and maintain appropriate written procedures and controls for Escrow Trust Accounts allowing for electronic verification of reconciliation.
Purpose: Appropriate and effective escrow controls and staff training help title and settlement companies meet client and legal requirements for the safeguarding of client funds. These procedures ensure accuracy and minimize the exposure to loss of client funds. Settlement companies may engage outside contractors to conduct segregation of trust accounting duties.
3. Privacy + Information Security: Adopt and maintain a written privacy and information security plan to protect Non-public Personal Information as required by local, state and federal law.
Purpose: Federal and state laws (including the Gramm-Leach-Bliley Act) require title companies to develop a written information security program that describes their procedures to protect non-public customer information. The program must be appropriate to the company’s size and complexity, the nature and scope of the company’s activities, and the sensitivity of the customer information the company handles. A company evaluates and adjusts its program in light of relevant circumstances, including changes in the firm’s business or operations, or the results of security testing and monitoring.
4. Document Recordation / Title + Settlement Pricing: Adopt standard real estate settlement procedures and policies that ensure compliance with Federal and State Consumer Financial Laws as applicable.01/02/2013
Purpose: Adopting appropriate policies and conducting ongoing employee training can ensure that a real estate settlement company can meet state, federal and contractual obligations governing the settlement process and provide a safe and compliant settlement.
5. Title Policy Production / Premium Remittance: Adopt and maintain written procedures related to title policy production, delivery, reporting and premium remittance.
Purpose: Appropriate procedures for the production, delivery and remittance of title insurance policies ensures title companies meet their legal and contractual obligations.
6. Professional Liablity Insurance + Fidelity Coverage: Maintain appropriate professional liability insurance and fidelity coverage.
Purpose: Appropriate levels of professional liability (errors and omissions insurance) ensure that title agencies and settlement companies have the financial capacity to stand behind their professional services. In addition, state law and contractual obligations may require a company to maintain fidelity bond and surety bond policies with prescribed minimum amounts of coverage.
7. Consumer Complaints: Adopt and maintain procedures for resolving consumer complaints.
Purpose: A process for receiving and addressing consumer complaints is important to ensure that any instances of poor service or non-compliance do not go undiscovered.