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Partner with a title company — as an owner, not a referral source

There are several ways a brokerage can “partner” with a title company. Most leave money and control on the table. Here is how a true ownership partnership works — and how to do it compliantly.

The three ways brokers “partner” with title

When a broker says they want to “partner with a title company,” they usually mean one of three very different things:

  • Referral relationship — you send business, they keep the revenue. Simple, but you own nothing and (under RESPA) you can’t be paid for the referral.
  • Marketing or service agreement — you’re paid for actual marketing or services rendered at fair market value. Legitimate, but heavily scrutinized and capped at the value of what you actually do.
  • Joint-venture ownership — you co-own a bona fide title agency and earn a return on your ownership interest. This is the only model where you share in the recurring profit your volume creates.

Vested builds the third kind: a genuine joint-venture title company structured to RESPA’s Affiliated Business Arrangement rules.

Why ownership beats a referral or marketing deal

A referral relationship makes someone else rich on your pipeline. A marketing-service agreement is legal only up to the fair value of services you genuinely provide — and it invites regulatory questions. Ownership is different: as a part-owner of a real title agency, you earn a return on your investment, not a payment for referrals. That return is recurring, it scales with your volume, and it’s an asset you build equity in.

The catch: it only works if the title company is a bona fide business — properly capitalized, staffed, and operated — and consumers are never required to use it. We handle that. See how we keep it RESPA-compliant.

What Vested actually does

You bring the relationships and the closings. We build and run everything else:

  • Form the title agency and secure licensing, bonds, and underwriter appointments
  • Hire and manage licensed title and escrow staff
  • Stand up the technology, order management, and a branded closing portal
  • Run accounting, audits, and clean owner distributions
  • Keep the Affiliated Business disclosures and compliance current

You see the revenue; we carry the operation. Want the numbers? Run them in the calculator or read how a title company gets started in Florida .

Common questions

Frequently asked questions

Can a real estate broker legally own a title company?
Yes. Federal law (RESPA) permits brokers to own a title company through an Affiliated Business Arrangement, provided the consumer receives the required disclosure, is never required to use the company, and the broker’s only payment is a bona fide return on ownership. The title agency must be a real, operating business — not a shell to collect referral fees.
How is this different from a referral fee?
A referral fee for settlement-service business is prohibited under RESPA Section 8. Owner distributions are not a referral fee — they are a return on a genuine investment in a bona fide company, proportional to ownership and independent of how many deals you send.
Do I need title or escrow experience?
No. You provide the volume and relationships; Vested provides the licensed title professionals, underwriters, technology, and back office. The title company runs in the background.
How much closing volume do I need?
Enough to keep a title desk busy — the exact threshold depends on your market and structure. The fastest way to know is a discovery call, where we run your specific numbers.
Ready to run your own numbers?

Stop referring the revenue. Start owning it.

Book a confidential discovery call and we'll show you what a Vested title venture could look like in Florida, Georgia, South Carolina, or Tennessee.