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Title Insurance Estimator™

The Title Insurance Estimator™ provides assistance to lenders and real estate professionals by calculating the estimated title insurance premium on new and refinanced home loans. Available on the web through our Smart Query™ calculators, Title Insurance Estimator™ has access to Ernst’s exhaustive database and is able to disclose to the borrower or lender the estimated title insurance premium for a particular transaction in any state or county in the U.S. prior to a loan closing. We also provide calculations for Lenders Title Premium Reissue Rates enabling you to calculate fee discounts that may be available on in refinance transactions.

What does this mean to you?

The Title Insurance Estimator™ provides instantaneous, accurate estimates of the title insurance premium required to complete line 1108 on the HUD-1 or any other comparable good faith estimate form. You can calculate and utilize these estimates within your automated GFE preparation system or use it as an audit mechanism to double check the rates given to you by a title insurance underwriter.

How does the Title Insurance Estimator™ work?

Ernst’s title insurance premiums estimates are compiled by experts in the title insurance industry and maintained by Ernst in a table of more than 5,400 separate entries. In the states where title premiums are statutorily regulated, our fees are exact. In the remaining jurisdictions our fees are generated by surveying major title companies and provide the highest estimate for that area.

The Media:

The Title Insurance Estimator™ is available for integration into your automated good faith estimate preparation software in three different forms based upon your volume and technical requirements:
  • XML
  • Database
  • Web as part of our Smart Query™ calculator
To learn more about Title Insurance Estimator™ contact Client Services at 1-800-345-3822.

Although precision in calculation and accuracy in data is our goal, any table of this sort may contain imperfection. The Truth in Lending obligation of a lender to provide loan customers with closing costs estimates is accurately called "Good Faith Estimates". We believe that reliance in the data provided by the TIE insures compliance with the guidelines: our data has been exhaustively researched from reliable sources, our tables have been checked for mathematic accuracy and the tables are updated on a regular basis. As a result, the information obtained from use of the TIE will always be a fair estimate of the actual costs made in good faith reliance on professional information providers.
OTHER PRODUCTS

The Real Estate Recording Guide™

Smart Query™ Recording Fee/Tax Calculators™

National Release Guide™

The Uniform Commercial Code Filing Guide™

UCC Revised Article 9 Alert™

© Copyright 1996-2010 Ernst Publishing Co., LLC
99 Washington Ave., Suite 309, Albany, NY 12210
Client Services: Phone 800-345-3822, Fax 800-252-0906, or E-Mail.
Rev. 4/14/07 AE [ALB-Web1]