Entitle Direct Legal Disclosure

Please note that your lender may require additional coverage (endorsements) that may add to the cost of your title insurance. Your lender may also have closing fees that should be disclosed on your Loan Estimate form. Eligibility for refinance discounts, where available, is subject to evidence of a prior mortgage or owner's policy (in certain states) within the proper time frame and of sufficient amount. EnTitle Insurance Company does not provide legal advice. If you require personal legal representation or if you have legal questions regarding your closing, we recommend that you contact an attorney. Certain states require that closings be conducted through licensed resident escrow agents or through resident attorneys. Certain other states require that title insurance policies be issued through resident agents or agencies. In such states, EnTitle Insurance Company will work through a licensed title agent, escrow agent, or attorney.

New Mexico, Oklahoma, South Dakota, and Utah: Closings in New Mexico, Oklahoma, South Dakota, and Utah are conducted through licensed independent escrow agents.

Connecticut, Delaware, Georgia, Massachusetts, North Carolina, South Carolina and West Virginia: To the extent required by law, all or part of the closing process is conducted by an attorney licensed to practice law in the state. For purchase transactions, EnTitle Insurance Company requires that purchasers of title insurance retain an attorney. When requested, EnTitle Insurance Company can recommend an attorney to represent you during the transaction.

Arkansas: As required by Arkansas Law, EnTitle Insurance Company has arranged for Cowling Title Company to be its licensed resident agent in Arkansas. All solicitation, negotiation, sales, and other business of insurance in Arkansas will be transacted through Cowling Title Company.

Missouri: Under Missouri law, title insurance companies are required to file a "Risk Rate Premium", which is only one component of the title-related costs. The savings offered by EnTitle Insurance Company refers to the combined title-related costs which includes the Risk Rate Premium, the Title Service Fee and other related charges taken in the aggregate.

New Mexico: EnTitle Insurance Company does not offer discounted rates in New Mexico and files its rates in accordance with Title 13 (Chapter 14) of the New Mexico Insurance Code.

New York: Standard New York Practice is for lenders to retain attorneys to represent the lender in loan transactions. The attorney's fees are typically disclosed to the borrower on the Loan Estimate form. For refinances, a title closer is also required at closing. The fee for a title closer typically averages $200.00 for each loan to be paid off at closing. If there are no loans to be paid off at closing, there is typically an attendance fee of $200.00 charged by the title closer. Title closers are paid directly and are not employees or agents of EnTitle Insurance Company. For purchases, EnTitle Insurance Company requires buyers to retain an attorney.

Texas: In Texas, the Commissioner of Insurance sets rates. Pursuant to TEX. INS. CODE § 2703.151(c), the cost of a title insurance policy or endorsement cannot be varied. The most recent rate order setting the basic premium amount was effective May 1, 2013. The full table of the Texas Title Insurance Basic Premium Rates can be accessed at http://www.tdi.texas.gov/title/titlerates2013.html. Charges for endorsements can be determined by referring to the Rate Rules in the Basic Manual of Rules, Rates and Forms for the Writing of Title Insurance in the State of Texas, Section III at http://www.tdi.texas.gov/title/titlemm3.html. This calculator is based on the promulgated rates as of May 01, 2013. The cost of your title insurance will depend on several variables; for example, the sales price of your home, the amount financed, and the endorsements that are selected at the time of closing; therefore, this rate calculator should be used as a reference tool only. For more information on purchasing title insurance in Texas, please call us at 877-636-8485 or email us at CustomerService@EnTitleIns.com

An additional fee may be charged by EnTitle Insurance Company for document preparation related to the execution of a CEMA (Consolidation Extension Modification Agreement) or a Mortgage Subordination. In certain states, where allowed by law and in accordance with custom and practice, EnTitle Insurance Company will obtain an attorney to prepare a transfer deed on your behalf, if requested. ENTITLE DIRECT has negotiated a fee of $95.00 for this service. Settlement services are provided by EnTitle Direct Insurance Company or independent settlement providers.

All title insurance policies are issued by EnTitle Insurance Company, 3 Summit Park Drive, Independence, OH 44131, which holds all licenses and regulatory approvals.

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