In the current refinance rush, the lending market is in a race against time. The competitor who can promise and consistently deliver a faster time to close refinance loan holds a massive advantage, securing more leads and enhancing borrower satisfaction. For national lenders, achieving this speed requires a title partner who is not constrained by localized backlogs or decentralized systems. Tier 1 Title is specifically designed to function as a national title partner for loan velocity, engineered to reduce days to close mortgage files across the entire operational footprint.
The Operational Levers for Unmatched Velocity
The core principle behind our velocity model is the elimination of friction inherent in the fragmented title industry. When a lender works with independent local agents, every file means a new queue, a new relationship to establish, and a new technology system to navigate. This inevitably adds days to the cycle time. Tier 1 Title’s centralized structure bypasses these systemic roadblocks.
- Instant Resource Allocation: Upon order entry from any of our 45 states plus D.C., the file enters a single, unified processing hub. Our proprietary routing technology instantly assigns the file to the dedicated team, who are cross-trained and equipped to handle that specific state’s requirements. This immediate resource allocation means title work begins instantly, eliminating the manual queuing and data hand-off delays common with local vendors.
- Institutional Knowledge vs. Learning Curve: Your dedicated Tier 1 Title team maintains institutional knowledge of your specific underwriting guidelines, preferred endorsements, and curative tolerances. They do not need to be re-educated on every file. This established relationship allows them to proactively condition loans, often gathering necessary subordination agreements or affidavits before they are formally requested by your underwriting desk. This familiarity saves days of back-and-forth communication.
- Flexible and Remote Execution: We utilize a comprehensive suite of closing options, including national RON closing title service (where permitted) and an extensive, vetted mobile notary network. This ensures the closing is executed on the borrower’s schedule and preference, rather than being limited by the availability of a local title office, further compressing the time between final approval and funding.
By combining centralized technology with the consistent expertise of a single, dedicated team, Tier 1 Title transforms the title process from a common source of delay into a highly predictable, high-speed component of your loan manufacturing process. This operational edge allows your lending platform to maximize its volume capture during this fleeting period of low rates, establishing Tier 1 Title as the crucial national title partner for loan velocity your business needs to outperform the market.
For more information or just to ask questions, please contact Tier 1 Title at 813-898-1277.
