No stored Google rating available.
First American Title Insurance Company Mesa, Arizona — First American Title is a national title insurance and escrow settlement company serving real est...
Data compiled from public sources
First American Title is one of the largest and most respected title insurance companies in the nation, with over 130 years of history in the real estate transaction industry. The company operates a downtown Denver office at 1899 Wynkoop Street, Suite 265, serving the Colorado market alongside numerous other locations nationwide. Their core business centers on providing title insurance protection and professional settlement services that facilitate the efficient transfer of real estate properties.
The company offers a comprehensive suite of services including title insurance policies, escrow settlement services, new agent resources, homebuyer and seller resources, and 1031 exchange facilitation. They provide innovative technology platforms such as FirstAm IgniteRE, Eagle Homebook (digital and print marketing materials for real estate professionals), and remote online notarization (RON) options to modernize the closing experience. The Denver office is staffed with dedicated escrow officers, sales executives, and management personnel available during standard business hours (8 AM–5 PM, Monday–Friday).
First American Title distinguishes itself through substantial corporate recognition, including ranking #51 on Fortune's 100 Best Companies to Work For in 2024 (10 consecutive years), #90 in Fortune Best Workplaces for Women, #15 in Best Workplaces in Financial Services & Insurance, and #50 in PEOPLE Companies that Care. The company provides market intelligence tools like the ALTOS Market Report for localized real estate data and multiple educational resources including FirstAm EDU, a Real Estate Glossary, and multicultural resources. Their technology-forward approach emphasizes efficient, secure, and convenient closing experiences.
However, First American Title is a title insurance and settlement services provider, not a mortgage lender offering home loans. Consumers seeking to finance a home purchase must obtain mortgage financing from a separate lender; First American Title facilitates the closing and title protection aspects of the transaction. The company's services are primarily B2B (working with real estate agents and professionals) and B2C (working with buyers and sellers at closing), making them a crucial but downstream partner in the mortgage process rather than a direct source of mortgage capital.
This is state-level context for Mortgages & Home Loans consumers in Mesa, AZ. It does not confirm that First American Title Insurance Company or this specific location is licensed.
State regulator
Arizona Department of Insurance and Financial Institutions
Consumer protection
Arizona mortgages are regulated under state residential mortgage lending laws (A.R.S. § 34-3701 et seq.). Mortgage lenders and brokers must be licensed with the Arizona Department of Insurance and Financial Institutions. Arizona uses non-judicial foreclosure proceedings via deed of trust. Judicial foreclosure is also available. Homeowners have statutory redemption rights and protections under the Arizona Foreclosure Mediation Program (A.R.S. § 33-814). Strict compliance with notice requirements is mandatory.
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 and coverage, Escrow settlement services and closing coordination, Remote Online Notarization (RON) for digital closings, 1031 exchange facilitation and services, New agent onboarding and training resources, and 7 more.
First American Title Insurance Company has profile signals associated with Real estate agents and professionals seeking title insurance, settlement services, and marketing tools for transactions, Homebuyers and sellers in the Denver metro area closing on residential or commercial properties, Investors conducting 1031 exchanges or managing multiple real estate transactions requiring professional escrow services.
Key strengths: Fortune 100 Best Companies to Work For for 10 consecutive years, indicating organizational stability and employee satisfaction; Over 130 years of industry experience with stored reputation signals as one of the nation's largest title insurance providers; Remote Online Notarization (RON) capability for more convenient, secure, and modern closing experiences. Areas to consider: Not a mortgage lender—does not provide home loans or financing; only handles title insurance and closing services; Limited to real estate closing and title services; cannot address broader financial needs like refinancing or alternative mortgage products.
In the Mortgages & Home Loans category, comparable providers include Arizona Wholesale Mortgage Inc, ClickStart Mortgage, Fix Flip Loans - Hard Money Phoenix. 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 profile signals for real estate professionals (agents, brokers, investors) and homebuyers/sellers in Colorado requiring title insurance, escrow settlement, and closing services during a purchase or refinance transaction. The key caveat is that this company does not originate or fund mortgages—it operates as a closing and title protection partner downstream from a mortgage lender, making it essential for transaction completion but not a source of home financing.
Arizona-based mortgage broker operating since 1998, offering conventional, FHA, VA, jumbo, and reverse mortgages throughout Arizona with licensed loan officers.
Profile signals: Arizona homebuyers and refinancers seeking personalized service over automated processes, Military borrowers and first-time homebuyers eligible for government-backed loan programs
SecurityNational Mortgage Company loan officer Martha Rodriguez offers mortgage lending services in Phoenix, AZ, specializing in conventional, FHA, VA, and jumbo loans with bilingual support.
Profile signals: Hispanic homebuyers seeking bilingual mortgage support and community-focused guidance, First-time homebuyers needing pre-qualification and educational resources
Capital Fund 1 is a hard money lender specializing in 6- and 12-month fix-and-flip loans for real estate investors in Phoenix and multiple states, with 24-hour approval turnaround and asset-based underwriting.
Profile signals: Experienced real estate investors with identified fix-and-flip properties and strong exit strategies, Investors who need rapid funding (within 24-48 hours) for time-sensitive property acquisitions at auctions or sales
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to First American Title Insurance Company and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.