Navigate today’s complex environment with solutions, technology, and expertise across the loan life cycle.
Put the unmatched experience of our First American family of companies to work for you. Origination. Post-Closing. Servicing. Default.
Producing compliant, defect-free loans at a profit requires closing loans faster while maintaining quality and minimizing costs. First American has comprehensive products and services for mortgage lenders. Our origination solutions help decrease cycle times and mitigate risk so lenders can be compliant and manage risk in today’s challenging environment.
The ALTA Policy protects against matters of record such as errors and fraud. It also includes additional protections including but not limited to: Unrecorded mechanic’s liens, assessments, and encumbrances.
First American’s manufactured housing team specializes in resolving manufactured housing title issues nationwide in a timely and successful manner.
The ALTA Residential Limited Coverage Junior Loan Policy insures protection against loss or damage arising from problems related to the grantee, land description, or the existence of certain monetary liens recorded in the public record. It also covers issues resulting from ad valorem taxes or assessments, ensuring that you’re safeguarded from these potential risks associated with your property.
equiSmart is First American’s specialized insured product designed for home equity transactions. It provides comprehensive coverage against unknown liens, issues with mortgagor vesting on the last recorded document, forgeries in the execution of the security instrument, and the critical gap period between the issuance of the title product and the recording of your security instrument. This coverage helps ensure a secure and smooth home equity process.
Legal and Vesting
This property information report includes the current vesting and legal description for the property.
One-Owner Search
A property information report that searches back to the last full value deed and includes vesting, open liens, property taxes, and the legal description.
Two-Owner Search
This property information report searches back to two full value deeds and provides details on vesting, open liens, property taxes, and legal description.
30-Year Search
This property information report searches property records for 30 years and includes details on vesting, open liens, property taxes, and legal description.
ConformX enables lenders to produce data-driven documents that meet specific criteria and are tailored to the borrower’s exact needs, reducing paperwork and providing a better borrower experience. Lenders can optimize document operations, eliminate additional data entry and human errors while strengthening compliance. ConformX updates key disclosure tracking fields and automatically returns documents for mortgage and home equity transactions.
ConformX offers a suite of nationwide compliant loan document templates for mortgage and home equity transactions. It provides a robust data exchange model to drive automation while delivering accurate mortgage document packages that are in compliance across all 50 states.
ConformX offers a suite of nationwide compliant loan document templates for mortgage loan assumption transactions. It provides a robust data exchange model to drive automation while delivering accurate mortgage document packages that are in compliance across all 50 states.
Our always-ready print-and-ship fulfillment centers provide automated pushback of key events and detailed compliance reporting, delivering all state and federally-compliant documents, along with custom document options. Integrated and automated processes monitor the status of all electronically delivered documents and automatically queue for print and mail delivery should the recipient not take action in the required allotment of time.
payoffassist offers a comprehensive database of current contact information for thousands of closed, merged, and existing mortgage lenders and servicers. The database is fully crossreferenced, covering mergers and name changes, and is updated every six months by a dedicated research team who verifies each listing by phone.
First American’s signing services team provides you the ability to schedule signing appointments and provide end-to-end notary signings quickly and efficiently at locations and times convenient for your borrowers. Our premier group of White Glove notaries will provide your borrowers with a seamless, efficient, first-rate signing experience.
First American offers a nationwide network of qualified mobile notaries with an extensive attorney database across all 50 states. Signature services are available for all residential loans including modifications and loan assumptions.
Solex is a comprehensive and flexible eSign platform that allows lenders to fully embrace a digital process. Branded with your logo and preferred language, Solex seamlessly integrates with LOSs and supports internal and external users, as well as checkboxes and fill-in fields during eSigning. The Solex solution also tracks all events, such as eConsent, eReview and eSign, providing an extensive audit trail. It optimizes processes for lenders, and improves the signing experience for borrowers.
Solex IPEN combines traditional notarization methods with the benefits of a digital platform, delivering faster funding times, fewer errors, accelerated loan sales, and reduced document scanning and shipping costs. This digital-forward solution enables the loan officer, notary, real estate agent, and title company to create a personalized and seamless closing experience for the borrower.
Solex RON allows for notarizing a document remotely using electronic signature, identity verification, audio-visual communication, and electronic notarial journal and record keeping technologies. This digital-forward solution enables the loan officer, notary, real estate agent, and title company to create a personalized and seamless closing experience for the borrower.
We offer nationwide settlement services produced in centralized operations for retail purchase, refinance transactions, second mortgage and HELOC transactions. Our centralized process powered by one team and backed by the strength of our single, unified platform.
First American offers a centralized, single-source document recording solution with extensive experience across all recording jurisdictions nationwide, including eRecording. Our team processes hundreds of thousands of documents annually, in conjunction with our title and settlement programs. With our recording fee calculator and electronic recording platform, we streamline the submission of documents for efficient, compliant eRecording.
First American Mortgage Solutions offers a nationwide network of more than 10,000 prequalified vendors including credentialed appraisers and property data collection specialists. Our local staff credentialed appraisers covering 100% of counties across the country and leverage the industry’s largest, most comprehensive database of property and homeowner information and recorded document images.
First American offers a complete suite of Appraisal Review products, from cost-effective Desktop Reviews to comprehensive Field Reviews. Our valuation services cover all residential property types, including single-family homes, manufactured and mobile homes, multi-family units, condominiums, cooperative interests, vacant land, and more.
First American offers drive-by appraisals where the appraisal of a subject property is completed based on exterior inspection only. Once the exterior inspection of the subject is completed the appraiser provides a Sales Comparison Analysis to determine an opinion of market value.
Valocity Valuation Reports combine modern appraisal techniques with the hands-on expertise of local real estate professionals and/or appraisers to give you customized, fast, accurate results.
Valocity products are a fantastic alternative for credit unions and lenders (consumer, residential and equity) who are looking for a compliant product that is more robust than an AVM or BPO, yet not a full traditional appraisal.
First American provides two types of reports: Exterior and Interior. The Exterior MAC report is a drive-by inspection that includes exterior photos of the property. The Interior MAC report involves an interior inspection with detailed photos (e.g., bathrooms, bedrooms, kitchen) to assess the property’s condition and provide insight into the surrounding neighborhood.
Drive-by inspection of the subject property. Once the inspection is complete, an agent or appraiser provides an opinion that includes both a quick-sale price and an as-is suggested list price, along with photos of the subject property and comparable properties.
First American works with a FreddieMac / FannieMae-approved provider of Property Data Collection Services to meet Fannie Mae Value Acceptance + Property Data and Freddie Mac ACE + PDR requirements. The service includes a comprehensive interior and exterior inspection, gathering all necessary data and images to meet GSE program specifications. All data collection professionals are fully trained, vetted, and background-checked, ensuring compliance with both Fannie Mae and Freddie Mac standards.
A comprehensive suite of AVMs including First American’s proprietary Procision™ product suite.
AVM Model Modeler
Advantage Cascade, ValuEdge Cascade Black Knight
CA Value, CA Value MC, Retro CA Value Black Knight
ValueSure™, SiteXValue™, SafeValue, RVM Black Knight
Total Home Value XM CoreLogic
Procision™ Power First American
Procision™ Premier First American
Home Value Explorer ® (HVE) Freddie Mac
QVM Comprehensive Quantarium
QVM Full Quantarium
i-Val realAssessment™ Real-Info
VeroValue™ & VV Preferred Veros
Batch AVM Orders Custom
FirstFunding’s FlexClose Funding technology platform enables 24/7 funding, 365 days a year and eliminates delays related to the Federal Reserve wire cutoff with warehouse lending through FirstFunding and First American Trust. FlexClose streamlines operations by aligning lender and settlement agent interests, reducing errors, risks, and processing time, and extending the funding window. FlexClose allows you to dictate the exact time for funding without delays from the Federal Reserve due to processing or waiting on bank receipt. This customer-centric approach ensures all parties work together seamlessly for a smoother experience.
FirstFunding, Inc. provides warehouse lending facilities for correspondent lenders, community banks, credit unions, and secondary-market investors, accommodating warehouse lines of all sizes. FirstFunding can provide lenders with warehouse lines from $2M to $150M+. With real-time reporting of warehouse line activity, easy management of purchases, and comprehensive reporting and risk management, FirstFunding simplifies every stage of the transaction—from wire request to purchase, reconciliation, and 1098 production—through a single online platform.
For the long-term servicing of mortgage loans, we offer solutions for performing and non-performing loans that help servicers maintain accurate records, monitor important activity, manage risk and enhance customer relationships. Powered by proven, proprietary technology and supported by seasoned mortgage lifecycle experts, our servicing solutions focus on quality from the start.
First American offers document retention and storage so you can minimize late fees, fines and penalties associated with the delivery of final trailing documents while efficiently and effectively managing volume fluctuations.
First American offers nationwide recorded document retrieval from our database of over 8 billion images.
First American offers recording fee reconciliation. We review the settlement statement for document recording fees, identify and collect missing documents when needed and outreach to settlement agent to obtain proof of refund when fees collected were in excess.
First American offers robust settlement package processing solutions. The file is scanned and reviewed to identify missing documents, audited for missing documents, the note is endorsed and the file is shipped to the designated document custodian.
Solex eVault provides a secure, enterprise-level SaaS platform for mortgage lenders, investors, and servicers to store, assign, and manage electronic notes (eNotes) and closing documents in real-time. It fully supports the MISMO ® SMART Doc ® eNote format and integrates with DART, the MERS® eRegistry, and eDelivery services for seamless registration, transfers, and life-of-loan events. Solex eVault ensures efficient tracking and transfer of eNotes between stakeholders, including originating lenders, investors, servicers, and document custodians.
First American offers replacement title policies for existing mortgages when the original policy cannot be located.
Our specialized team can locate existing title policies, or you can request a First American replacement insurance policy.
First American offers title search, identification, and resolution of outstanding issues found.
Our seasoned team specializes in tracking, receiving, imaging, auditing, and shipping trailing documents to the investor custodian. With their expertise and access to a vast repository of real estate documents, clients can significantly reduce their exposure to late fees, fines, and penalties. Our proven 7-step process guarantees compliant delivery of trailing documents, with real-time status updates at every stage.
The Assignment Verification Report provides confirmation of the security instrument, including a complete chain of assignments for all open liens and identification of breaks in the assignment chain. The report will also include any recorded document image copies.
First American can efficiently manage your assignment workflow, and streamline generation, execution, and recordation to improve internal efficiency and reduce costs. Our team of experts will analyze the chain of title and resolution of breaks found in the chain.
First American offers nationwide Mortgage Assignment document generation using compliant assignment templates. All data is captured directly from the Assignment Verification Report and includes quality control and document imaging.
First American offers a complete lien release solution which includes generation, execution, recordation and tracking services. Our proprietary technology monitors and maintains all state and county requirements and optimizes eRecording (where available) to complete the lien release process in over 3,600 jurisdictions.
First American provides comprehensive, nationwide recorded document retrieval for origination, post-close and servicing nationwide from our database of over 8 billion images. Our document retrieval services include automated, field research and extended retrieval services which require a manual search of the county recorder’s office providing a unified solution for all transactions.
Maximize lien release efficiencies through First American with signature via authorized documentation and third-party signature resolution to streamline lien release recording.
First American offers a centralized, single-source document recording solution with extensive experience across all recording jurisdictions nationwide, including eRecording. Our team processes hundreds of thousands of documents annually, in conjunction with our title and settlement programs. With our recording fee calculator and electronic recording platform, we streamline the submission of documents for efficient, compliant eRecording.
The First American service scans paper loan documents using advanced Optical Character Recognition (OCR) technology to extract data from the documents and digitally index the information for more efficient file access. Our imaging and indexing technology helps improve efficiency, reduce the need for physical storage space, enhances collaboration capabilities, and improves auditability.
Our always-ready print-and-ship fulfillment centers provide automated pushback of key events and detailed compliance reporting, delivering all state and federally-compliant documents, along with custom document options. Integrated and automated processes monitor the status of all electronically delivered documents and automatically queue for print and mail delivery should the recipient not take action in the required allotment of time.
First American offers FirstMod ®, a comprehensive product and services suite designed to streamline loan modification processing, enabling lenders, servicers, and investors to keep more borrowers in their homes. This user-friendly, web-based loss mitigation document generation system features nationwide compliant templates, an intuitive user interface, automated data population, and the ability to order signing and recording for loan modifications, ensuring an efficient and compliant process.
Lien priority insurance ensures that the validity, enforceability, or priority of the deed of trust or mortgage has not been diminished or lost by reason of loan modification or assumption. First American offers the MMP as an alternative to an ALTA® loan policy. The MMP insures against loss or damage resulting from the original lien being deemed invalid or unenforceable or the original lien position being lost as a result of a loan modification.
ALTA Policy
In states where the MMP is not available, First American may be able to provide a title endorsement to an existing ALTA title policy or a new ALTA title policy with endorsement (if required).
Property Information Report
Legal and Vesting
This property information report includes the current vesting and legal description for the property.
Loss Mitigation Report
This property information report includes a one-owner search and summary cover sheet that highlights report findings.
30-Year Search
This property information report searches property records for 30 years and includes details on vesting, open liens, property taxes, and legal description.
Document Generation
firstDocs™
firstDocs is First American’s web-based document generation system that delivers loan modification and partial claim documents tailored to your complex recording and regulatory document challenges in all 50 states. Developed from our clients’ viewpoint, firstDocs focuses on compliance, customization, customer support, and dashboard reporting.
Partial Claim
firstDocs is First American’s web-based document generation system that delivers loan modification and partial claim documents tailored to your complex recording and regulatory document challenges in all 50 states.
Assumption Transfer
firstDocs is First American’s web-based document generation system that delivers loss mitigation documents for assumption transfer transactions tailored to your complex recording and regulatory document challenges in all 50 states.
Flexible loan signing options from traditional notary signing, mail-to-borrower, eSign or Remote Online Notarization, including access to the nationwide First American notary network. Backed by First American’s dedicated customer support team to help create the optimal borrower signing experience.
The TSG is a title guarantee issued at the start of foreclosure. It assists the foreclosing beneficiary and trustee by delivering information needed to verify compliance with state foreclosure statutes. The TSG assures the crucial information necessary to execute a valid foreclosure. A Limited TSG is also available on Fannie Mae-backed loans in the states of Arizona, California, Nevada, Oregon, and Washington.
Litigation guarantee provides protection for plaintiffs in judicial foreclosure, bankruptcy litigation, and other real estate lawsuits. It ensures that all relevant parties with an interest in the property are properly notified, helping to prevent claims from unknown entities and ensuring a smooth legal process.
The Direct Foreclosure Title program is designed to provide comprehensive foreclosure title and resolution services to lenders, servicers, and their foreclosure counsel across the nation. We offer tailored services that meet the unique power-of-sale requirements in western foreclosure states, ensuring efficient and compliant title management during foreclosure processes.
The Trustee Servicing Solutions team provides non-judicial foreclosure services in Arizona, California, Nevada, Texas, Utah, Alaska, Oregon, Idaho, and Washington to ensure a successful post-sale transition of REO assets. Our Trustee Servicing Solutions team continually monitors evolving state statute requirements and investor guidelines and maintains measurable, highperformance timeline and performance scores with various industry rankings.
First American offers a two-owner or a 30-year foreclosure information report with copies of unreleased recorded documents impacting title, along with title summary sheet.
NPP offers specialized posting, publication, foreclosure auction, and bidding services for the mortgage default industry in Arizona, California, Nevada, Oregon, and Washington. Backed by a dedicated staff and a network of highly-trained agents and auctioneers, NPP is committed to delivering best-in-class service. Our hands-on expertise, strict compliance with state mandates, and partnerships with adjudicated newspapers ensure high-quality, cost-effective publication services, fostering strong client relationships.
Upon the delivery of a fully executed sale and purchase agreement, First American Asset Closing Services ® (FAACS) or a designated attorney will generate a Limited/Special Warranty Deed(s) on our clients behalf, conveying the property from the seller to the new buyer(s). Generation of the deed shall take place within three business days from receipt of the purchase agreement. The vesting information for the seller shall be required to generate the deed. If all the information is not received, we will communicate within one business day for the information required to complete the deed.
FAACS serves as a structured, centralized point of contact for a multitude of services. Through our closing network of agent and direct First American operations, we are able to effectively manage and control your title and closing needs. We are committed to proactively identifying title issues and coordinating resolution to expedite the disposition of the property.
First American centrally manages and produces REO title products and settlement services. We centralize title placement and proactively address title issues and coordinate resolution and settlement with all parties.
Appraisal
First American offers a complete suite of Appraisal Review products, from cost-effective Desktop Reviews to comprehensive Field Reviews. Our valuation services cover all residential property types, including single-family homes, manufactured and mobile homes, multi-family units, condominiums, cooperative interests, vacant land, and more.
First American provides two types of MAC reports: Exterior and Interior. The Exterior MAC report is a drive-by inspection that includes exterior photos of the property. The Interior MAC report involves an interior inspection with detailed photos (e.g., bathrooms, bedrooms, kitchen) to assess the property’s condition and provide insight into the surrounding neighborhood.
(Refer Table: Page 12)
First American offers a comprehensive suite of AVMs including our proprietary Procision™ product suite.
The Assignment Verification Report provides confirmation of the security instrument, including a complete chain of assignments for all open liens and identification of breaks in the assignment chain. The report will also include any recorded document image copies.
First American can efficiently manage your assignment workflow, and streamline generation, execution, and recordation to improve internal efficiency and reduce costs. Our team of experts will analyze the chain of title and resolution of breaks found in the chain.
First American offers nationwide Mortgage Assignment document generation using compliant assignment templates. All data is captured directly from the Assignment Verification Report and includes quality control and document imaging.
First American provides comprehensive, nationwide recorded document retrieval for origination, post-close and servicing nationwide from our database of over 8 billion images. Our document retrieval services include automated, field research and extended retrieval services which require a manual search of the county recorder’s office providing a unified solution for all transactions.
The First American recording fee reconciliation service is a comprehensive solution that compares the final HUD-1 settlement statement to county recording fees incurred to identify if the county fees charged were lower than estimated on the final HUD-1. Findings are provided to the client so a refund can be issued if necessary.
First American offers robust settlement package processing solutions. The file is scanned and reviewed to identify missing documents, audited for missing documents, the note is endorsed and the file is shipped to the designated document custodian.
Our specialized team can locate existing title policies, or you can request a First American replacement insurance policy.
First American offers replacement title policies for existing mortgages when the original policy cannot be located.
Our seasoned team specializes in tracking, receiving, imaging, auditing, and shipping trailing documents to the investor custodian. With their expertise and access to a vast repository of real estate documents, clients can significantly reduce their exposure to late fees, fines, and penalties. Our proven 7-step process guarantees compliant delivery of trailing documents, with real-time status updates at every stage.
First American offers document retention and storage so you can minimize late fees, fines and penalties associated with the delivery of final trailing documents while efficiently and effectively managing volume fluctuations.
The Vestify platform provides a secure, collaborative portal that facilitates the validation of sales terms and the transfer of eNotes for secondary market transactions. With complete transparency, all participants can monitor the terms and status throughout the process. Sellers can transfer eNotes regardless of the originating system. The Vestify platform ensures risk-free clearance and settlement of eNote sales in the secondary market once the terms are agreed upon by both buyers and sellers.
FirstFunding’s FlexClose Funding technology platform enables 24/7 funding, 365 days a year and eliminates delays related to the Federal Reserve wire cutoff with warehouse lending through FirstFunding and First American Trust. FlexClose streamlines operations by aligning lender and settlement agent interests, reducing errors, risks, and processing time, and extending the funding window. FlexClose allows you to dictate the exact time for funding without delays from the Federal Reserve due to processing or waiting on bank receipt. This customer-centric approach ensures all parties work together seamlessly for a smoother experience.
FirstFunding, Inc. provides warehouse lending facilities for correspondent lenders, community banks, credit unions, and secondary-market investors, accommodating warehouse lines of all sizes. FirstFunding can provide lenders with warehouse lines from $2M to $150M+. With real-time reporting of warehouse line activity, easy management of purchases, and comprehensive reporting and risk management, FirstFunding simplifies every stage of the transaction—from wire request to purchase, reconciliation, and 1098 production—through a single online platform.
First American Mortgage Solutions is your trusted partner for speed, compliance, efficiency and accuracy at every point along the mortgage continuum – from customer acquisition to origination to servicing and beyond.
Already established as a premier provider of title insurance and settlement services, we’ve evolved with the times to deliver solutions for the entire life cycle of a residential loan.
Partner with us to see how we can deliver end-to-end solutions fast, centralized, and at a reduced cost. Visit firstam.com/mortgagesolutions to learn more today.