Phase 1 — Fit & structure
- Confirm your closing volume supports a title desk (a quick calculator run helps)
- Engage qualified RESPA counsel and confirm the ABA safe-harbor structure
- Agree on ownership split, capital, and roles with your JV partner
Phase 2 — Build the company
- Form the entity and register with the state
- Secure licensing (4-14), E&O, and the fidelity bond
- Obtain underwriter appointment(s)
- Open a compliant escrow/trust account
- Stand up production software, a closing portal, and staff
Phase 3 — Go live, compliantly
- Finalize the Affiliated Business Arrangement Disclosure and delivery process
- Confirm no required use — consumers always free to choose
- Train the team and run your first closings
- Set up accounting, audits, and owner distributions
With Vested, Phases 2 and 3 are largely done for you — we build and run the operation while you hold ownership. That’s the
JV advantage.