Shop Your Settlement.
Slash unshopped closing junk fees.
Under federal RESPA guidelines, you have the absolute legal right to choose your own title company. Stop letting lenders bundle high-cost affiliate settlement packages. Use Lowi AI to unlock direct rates instead.
Join thousands of smart buyers refusing markup closing disclosure feeds.
Calculate Your Settlement Markups
Most lenders auto-select partner Title and Settlement networks directly in Loan Estimates. Select your expected parameters below to see premium and overlay service rates from unshopped packages.
Typical Fee Breakdown
Owner & Lender Policy
$2,500
Statutory Guideline
Standard Settlement Fee
$1,450
Industry Median
Junk & Exam Overlays
$800
Often Marked Up
Estimated Settlement Savings
$1,400
You can save an estimated 29% on escrow settlement overlays with KwaliPass™.
Default Lender Affiliate Cost
$4,750
Kwalifai Direct Rate
$3,350
Why shop for Title?
Lenders are legally required to accept your chosen title agency. Doing so eliminates markup splits and keeps transaction cash in your wallet at settlement.
True Consumer Settlement Benefits
We streamline residential title operations out of physical back-offices onto Kwalifai's automated closing stack.
Zero Junk-Fee Policy
Wire, courier, archive, document packaging, and print markups add hundreds at the closing list. Kwalifai partner settlement networks operate on unified clear flat rates.
Reissue Rate Application
If the property sold recently, or you are refinancing, you are legally entitled to 'reissue discount rates' on title insurance policies. Lowi AI claims these automatically.
Virtual Remote Notary
Connect and witness sign deeds digitally via certified Remote Online Notarization (RON) interfaces directly in your vault. Stop waiting on physical scheduling.
Title & Settlement FAQ
Discover consumer legal protections and learn how title-related expenses are calculated at closing.
Am I legally allowed to choose my own Title Insurance company?
Absolutely. Under Section 8 of the Real Estate Settlement Procedures Act (RESPA), you have the absolute legal right to shop for your own closing services. Lenders cannot force you to use their high-cost title affiliates as a condition of loan approval.
What is the difference between Owner's and Lender's Title Insurance?
Lender's title insurance is mandatory and protects the bank's investment in the asset. Owner's title insurance is optional but highly recommended; it protects your home equity from historic liens, boundary discrepancies, or fraudulent deeds. Kwalifai bundles these using 'simultaneous issue' rates to maximize discounts.
Why are typical closing and settlement fees so expensive?
Traditional title companies operate physical branch networks and rely on manual labor. More importantly, they pay high marketing kickbacks to real estate agents and lenders to get your file referred, passing those 'junk fee' costs down to you in the final closing disclosure (CD).
How does Kwalifai digitized title settlement work?
We automate digital title searches, instant lien lookups, and virtual notary scheduling inside your secure vault. By eliminating paper coordination, we deliver pre-cleared titles and drop settlement fees by up to 45%.