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First American Title Insurance Company Las Vegas, Nevada — First American Title is a major national title insurance and escrow settlement company servin...
Data compiled from public sources
First American Title has operated for over 130 years and is one of the largest and most respected title insurance companies in the nation. The company serves as a critical intermediary in real estate transactions, facilitating the transfer of property ownership through their comprehensive services. Their Denver downtown office, located at 1899 Wynkoop Street, represents one of many locations serving the Colorado market and beyond.
The company offers title insurance protection that safeguards buyers and lenders against ownership disputes and claims. Beyond traditional title insurance, First American Title provides escrow and settlement services that handle the financial and documentation components of real estate closings. They offer innovative tools including FirstAm IgniteRE, Eagle Homebook (customizable marketing materials for agents), real estate market insights through ALTOS reports, and closing calculators. Additional resources include their Real Estate Glossary, Document Center, multicultural resources, and FirstAm EDU educational platform. They also facilitate 1031 exchanges and provide earnest money deposit services through ZOCCAM.
First American Title distinguishes itself through significant workplace recognition, including ranking #51 on Fortune's 100 Best Companies to Work For in 2024 (10 consecutive years), #15 in Fortune Best Workplaces in Financial Services & Insurance, and #90 in Fortune Best Workplaces for Women. The company emphasizes technology-driven solutions and offers Remote Online Notarization (RON) for modern closing experiences. Their team includes sales executives, escrow officers, branch managers, and state management with local experience context.
While First American Title is a well-established, publicly recognized company with strong institutional backing, consumers should understand that title insurance companies do not provide financing—they facilitate closings and protect against title defects. Their services are essential components of mortgage transactions but work alongside lenders rather than replacing them. The company functions as a service provider within the real estate transaction ecosystem rather than as a direct lending source.
This is state-level context for Mortgages & Home Loans consumers in Las Vegas, NV. It does not confirm that First American Title Insurance Company or this specific location is licensed.
State regulator
Nevada Financial Institutions Division
Consumer protection
Nevada is a non-judicial foreclosure state; foreclosure by sale is permitted without court involvement if deed of trust contains power of sale clause. Residential mortgage lenders must be licensed by Nevada Financial Institutions Division. Nevada Revised Statutes § 107.010-107.480 govern mortgages and deeds of trust. Borrowers have right to cure default before foreclosure sale; homestead exemption available for primary residence (limited). Reverse mortgages regulated under federal HOEPA standards.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First American Title Insurance Company offers 12 services including Title insurance policies for homebuyers and lenders, Escrow and settlement services for real estate closings, Remote Online Notarization (RON) for digital closings, 1031 exchange facilitation and coordination, Earnest money deposit handling through ZOCCAM, and 7 more.
First American Title Insurance Company has profile signals associated with Real estate agents and brokers seeking closing support, market insights, and marketing tools for transactions, Homebuyers and sellers needing title protection and professional settlement coordination during closings, Real estate investors conducting 1031 exchanges and requiring listed transaction services, Mortgage lenders seeking title insurance and escrow services to support their loan origination.
Key strengths: Over 130 years of operational history and national scale as one of the largest title insurance providers; Ranked #51 on Fortune 100 Best Companies to Work For for 10 consecutive years, indicating stable operations and employee retention; Offers Remote Online Notarization (RON) for modern, convenient, and secure closing experiences. Areas to consider: Title insurance companies do not provide financing; consumers must secure mortgage loans separately from actual lenders; Limited transparency on pricing—website does not disclose title insurance rates or escrow fee structures.
In the Mortgages & Home Loans category, comparable providers include Agave Home Loans, American Financial Lending, Inc., Better. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
First American Title is essential for anyone buying, selling, or refinancing real estate—their title insurance and escrow services are mandatory components of most mortgage transactions. However, they are a service provider within the closing process, not a lender or credit product company; consumers must obtain actual financing from mortgage lenders separately. Best suited for real estate professionals and transaction participants seeking established, nationally-recognized settlement services.
Agave Home Loans is a mortgage lender and broker offering conventional, VA, FHA, and home equity loans with an online application process and rate claims to verify across Arizona and beyond.
Google rating from 1,789 reviews
Profile signals: Veterans and active-duty service members seeking VA loans with 0% down and streamlined refinancing options, Borrowers with lower credit scores or complex credit histories seeking refinance or HELOC options
Mortgage broker representing 100+ lenders offering conventional, FHA, VA, jumbo, and alternative loan programs with same-day pre-qualification.
Google rating from 28 reviews
Profile signals: Borrowers with lower credit scores (580-620) seeking FHA loans rejected by conventional lenders, Real estate investors and non-owner occupied property buyers needing listed loan programs
Better is a direct mortgage lender offering online home loans powered by AI technology. They've funded over $110B in loans for 600k customers through their digital platform.
Google rating from 3,136 reviews
Profile signals: Tech-savvy homebuyers and refinancers comfortable with fully online mortgage processes, Borrowers seeking convenience and streamlined digital experiences over traditional bank visits
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
An interest rate that stays the same for the entire life of the loan. Your monthly payment never changes.
Fixed rates protect you from market changes. If rates go up, your payment stays the same. The tradeoff: fixed rates are usually slightly higher than starting variable rates.
Example
You get a 30-year mortgage at 6.5% fixed. Whether rates rise to 9% or drop to 4% over the next 30 years, your payment stays at $1,264/month on a $200,000 loan.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
An interest rate that can go up or down over time, usually tied to a benchmark like the prime rate. Your monthly payment changes when the rate changes.
Variable rates often start lower than fixed rates to attract borrowers, but they can increase significantly. Many people who got hurt in the 2008 crisis had adjustable-rate mortgages.
Example
You start with a 5/1 ARM mortgage at 5.5%. For the first 5 years you pay $1,136/month on $200,000. Then the rate adjusts to 7.5%, and your payment jumps to $1,398/month.
The process of paying off a loan through regular payments that cover both principal and interest. Early payments are mostly interest; later payments are mostly principal.
Understanding amortization explains why paying extra early in a loan saves the most money — you're reducing the principal that interest is calculated on.
Example
Month 1 of a $200,000 mortgage at 6%: your $1,199 payment splits as $1,000 interest + $199 principal. By month 300: only $47 goes to interest and $1,152 goes to principal.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A fee some lenders charge if you pay off your loan early. The lender loses the interest they expected to earn, so they penalize you for leaving early.
Always ask about prepayment penalties before signing. They can trap you in a high-rate loan even if you find a better deal to refinance into.
Example
Your mortgage has a 2% prepayment penalty for the first 3 years. If you refinance after year 2 on a $200,000 balance, you'd owe a $4,000 penalty fee.
Replacing your current loan with a new one, usually at a lower interest rate or with different terms. The new loan pays off the old one.
Refinancing can save thousands if rates drop or your credit improves. But watch for fees — a $3,000 refinancing cost needs to be offset by monthly savings.
Example
You have a $180,000 mortgage at 7.5% ($1,259/month). You refinance to 6% ($1,079/month), saving $180/month. With $3,000 in closing costs, you break even in 17 months.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
The fees paid when finalizing a home purchase or refinance — typically 2-5% of the loan amount. They include appraisal, title insurance, attorney fees, and lender fees.
Closing costs can add $6,000-$15,000 to a home purchase that buyers don't always budget for. Some can be negotiated or rolled into the loan.
Example
You buy a $300,000 home. Closing costs at 3% = $9,000. That includes: appraisal $500, title insurance $1,500, attorney $800, origination fee $3,000, taxes/escrow $3,200.
Upfront fees you pay to the lender at closing to buy a lower interest rate. One point = 1% of the loan amount and typically reduces your rate by 0.25%.
Points make sense if you plan to stay in the home long enough for the monthly savings to exceed the upfront cost. That breakeven point is usually 4-6 years.
Example
On a $250,000 mortgage at 6.5%: you pay 1 point ($2,500) to get 6.25%. Monthly payment drops from $1,580 to $1,539 — saving $41/month. Breakeven in 61 months (5 years).
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
An account managed by your mortgage lender that holds money for property taxes and homeowners insurance. A portion of each mortgage payment goes into escrow, and the lender pays these bills for you.
Escrow ensures taxes and insurance are always paid on time (protecting the lender's investment). Your monthly payment may go up if taxes or insurance increase.
Example
Your mortgage payment is $1,400: $1,050 principal+interest + $250 property taxes + $100 insurance. The $350 for taxes/insurance goes into escrow. The lender pays your tax bill in December from escrow.
A government-insured mortgage that allows lower down payments (as low as 3.5%) and lower credit score requirements (580+). The FHA insures the loan, reducing risk for lenders.
FHA loans make homeownership accessible for first-time buyers and those with imperfect credit. The tradeoff: borrowers are required to pay Mortgage Insurance Premium (MIP) for the life of the loan.
Example
You have a 620 credit score and $10,500 saved. On a $300,000 home: FHA lets you put 3.5% down ($10,500) vs. conventional requiring 5-20% down ($15,000-$60,000).
The ratio of your loan amount to the property's appraised value, expressed as a percentage. It tells the lender how much of the home's value they're financing.
LTV above 80% usually requires Private Mortgage Insurance (PMI), which adds $100-300/month. Lower LTV can mean lower lender risk and different rate context.
Example
Home value: $300,000. Down payment: $60,000. Loan: $240,000. LTV = 80%. You avoid PMI. If you only put $30,000 down (90% LTV), you'd pay PMI until you reach 80%.
Replacing your current mortgage with a new one, usually to get a lower rate, change the loan term, or pull cash out of your home equity.
A 1% rate reduction on a $250,000 mortgage saves ~$150/month ($54,000 over 30 years). But closing costs of 2-5% mean it can be useful to stay long enough to break even.
Example
You have a $300,000 mortgage at 7.5% ($2,098/month). Rates drop to 6%. Refinancing costs $8,000 in closing. New payment: $1,799/month. Monthly savings: $299. Breakeven: 27 months.
Insurance that protects the LENDER (not you) if you default on a mortgage with less than 20% down payment. You pay the premium, but it only covers the lender's loss.
PMI typically costs 0.5-1.5% of the loan per year and adds nothing to your equity. Once you reach 20% equity, you can request it be removed.
Example
On a $250,000 loan with 10% down, PMI at 0.8% = $2,000/year ($167/month). After 5 years, your home's value rises and your equity reaches 20%. You request PMI removal and save $167/month.
A mortgage backed by the Department of Veterans Affairs for eligible military members, veterans, and surviving spouses. Key benefits: no down payment required and no PMI.
VA loans are among the mortgage options with notable listed benefits — 0% down, no PMI, and rate claims to verify. They're earned through military service and can be used multiple times.
Example
A veteran buys a $350,000 home with a VA loan: $0 down, no PMI, 5.8% rate ($2,054/month). A comparable conventional loan with 5% down would require $17,500 down plus $175/month PMI.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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