For Lenders and Loan Officers
Your name is on every on-time closing. We make sure it stays there.
You do the work to earn the loan. The closing is where it is won or lost, and the settlement agent is the one part you do not control. Prime Title and Escrow is the partner that protects it: on-time closings that hold the rate lock, accurate figures for the Closing Disclosure, title cleared to your conditions, and recorded documents and the final policy back in your hands fast. We make you look reliable, because we are.
Written by Anthony I. Shin, Esq., Principal and real estate attorney at Prime Title and Escrow
Why loan officers work with us
A blown closing date does not just move a calendar. It costs your borrower money and costs you the relationship.
When a settlement agent misses the date, the rate lock can expire, and your borrower either pays for an extension or takes a worse rate. Either way, the loan you worked weeks to earn ends on a sour note, and the agent who sent you the referral hears about it. You did everything right, and you still wear it.
I built Prime so that does not land on you. We treat your closing date as a commitment, not a target. We clear title to your conditions, get your figures right and early, fund and record cleanly, and return your recorded documents and final policy quickly. When your closings are smooth, your borrowers trust you and your referral partners keep calling. That is the whole point.
What matters to your loan team
Built around what a closing actually needs from a settlement agent.
On-time closings
We treat your closing date as a commitment and tell you early if anything puts it at risk, so the rate lock holds.
Accurate figures, fast
You get correct fees quickly, so your Closing Disclosure is right and your three-day clock is not blown by a late change.
Title cleared to your conditions
We clear title to the lender's satisfaction, payoffs, endorsements, and requirements, so funding is not held up.
Clean funding
Funds verified, balanced, and disbursed without the back and forth that delays a wire.
Fast post-closing
Recorded documents and the final title policy returned quickly, the part most settlement agents are slow on.
A responsive contact
A real person who answers your loan team, so a condition or a question does not sit in a queue.
Protect the rate lock
We close on the date, or you hear about the risk early.
A closing date is a promise your borrower is counting on, and the rate lock is real money riding on it. We work your file to hit the date, and on the rare occasion something outside our control threatens it, an estate that surfaces, a payoff that comes back wrong, you hear it from us with time to act, not the morning of. No quiet slippage, no closing-day surprises. The date is the date.
Get the disclosure right
Accurate figures, early enough to matter.
Your Closing Disclosure is only as good as the numbers we give you, and a late change can reset the three-day clock and move your closing. We get you accurate fees promptly and flag anything that affects the figures while there is still time, so your disclosure goes out right the first time and your timeline holds.
Clear to close
Title cleared to your conditions, not just ours.
Funding does not happen until title is clear to the lender's satisfaction, and that is where a lot of closings stall. We work your title requirements directly, the payoffs, the endorsements, the subordinations, the survey coverage, so the file reaches the closing table actually ready to fund. Your underwriter and your funder are not left waiting on us.
Lender title requirements
Title endorsements
Payoff statements
Subordinations
Survey coverage
Judgment and lien releases
Entity and authority documents
Closing Protection Letters
Funding and after
Clean funding, and your documents back fast.
We verify and balance the funds, disburse without the back and forth that delays a wire, and record promptly. Then we do the part most settlement agents drag their feet on: we get your recorded deed, deed of trust, and the final title policy back to you quickly, so your post-closing and your investor delivery are not stuck waiting on paper.
Fund security
Source: FBI Internet Crime Complaint Center, 2024 Annual Report
The money that moves through a closing is a target. We guard it.
Large closing wires are exactly what fraud rings hunt for. The FBI's Internet Crime Complaint Center reported $16.6 billion in losses in 2024, with $2.77 billion of that from business email compromise, and real estate closings are among the most targeted. We hold funds in protected escrow, verify wire instructions by phone, and never change them by surprise email, so the funds you send and the proceeds your borrower expects end up where they belong.
Verify wire instructions with a person by phone.
Confirm receiving names with the bank, not just numbers.
Treat any emailed change as fraud until verified.
Never trust instructions that arrive or change by email.
Purchase and refinance
We close both, and we know how they differ.
Purchase or refinance, we are ready. Refinances are your volume to drive, and they run differently, no agents in the middle, a rescission period on owner-occupied loans, and payoffs that have to be exact. We handle those differences without hand-holding, coordinate the payoff and the new lien, and get your borrower closed on time whether they are buying or refinancing.
We earn your loans by how we handle them, not by paying for them.
Lender and title relationships get the closest look under Section 8 of the Real Estate Settlement Procedures Act, and for good reason. We keep ours clean. We pay no referral fees and run no marketing service agreements that pay for business, and any education or co-marketing is documented and kept separate from solicitation. You can send us files knowing the relationship is built on service, not compensation.
Across two states
Closing your loans across Virginia and West Virginia.
We close residential and commercial loans throughout Virginia and West Virginia, including the West Virginia Eastern Panhandle, so your borrowers stay with one reliable settlement partner wherever they are buying or refinancing.
Real Estate Partnership Program
Send us a loan, or set up your loan team.
Tell us about your pipeline or your next file and we will follow up. Use this form to send us a loan to close, set your loan team up as a closing partner, or ask a closing attorney a question.
Questions loan teams ask
Closing your loans with Prime.
Can you close on my borrower's date and protect the rate lock?
That is the job. We treat your closing date as a commitment and work the file to hit it. If something outside our control threatens the date, you hear it from us early, with time to act, not on the morning of closing. Holding the date is how we protect the rate lock and your borrower's trust.
How fast do I get figures for the Closing Disclosure?
We get you accurate fees promptly and flag anything that affects the numbers while there is still time, so your disclosure is right the first time. A late change can reset the three-day clock and move your closing, so we work to make sure that does not happen because of us.
Do you clear title to my conditions, including endorsements and payoffs?
Yes. We work your title requirements directly, the payoffs, the endorsements, the subordinations, and the survey coverage, so the file reaches the table clear to the lender's satisfaction and ready to fund. Your underwriter and funder are not left waiting on title.
How quickly do I get recorded documents and the final policy back?
Quickly, and that is on purpose. We record promptly and return your recorded deed, deed of trust, and the final title policy fast, so your post-closing and investor delivery are not stuck waiting on paper. It is the step many settlement agents are slow on, and we are not.
Do you handle refinances as well as purchases?
Yes. We close both, and we know how they differ. Refinances run without agents in the middle, carry a rescission period on owner-occupied loans, and depend on exact payoffs. We handle the payoff and the new lien and get your borrower closed on time, purchase or refinance.
Is this a marketing arrangement, and do you pay for business?
No. We pay no referral fees and run no marketing service agreements that pay for business, which keeps the relationship clean under Section 8 of the Real Estate Settlement Procedures Act. Any education or co-marketing is documented and kept separate from solicitation. We earn your loans by how we handle them.
Give your borrowers an on-time closing, and give yourself a settlement partner who makes you look good.
Tell us about your pipeline. We will protect your dates, get your figures right, clear your title, and get your documents back fast, so your borrowers trust you and your referral partners keep calling.
Anthony I. Shin, Esq., Principal, Prime Title and Escrow
(703) 552-4155
Serving all of Virginia and West Virginia