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FATIC: Rates, Fees, and eRemit (First American Title Insurance Company)

Contents

Overview

First American provides premiums, municipal taxes, state policy fees, and CPL fees directly into Resware, and Resware sends the underwriter remittance to First American electronically.

FirstAm video

This demonstrates how to set up the First American rates and eRemit integration.

Begin here: Contact a First American Title representative to register and receive login credentials.

NOTE: A FATIC: Rates/eRemits user guide is available which demonstrates how to use the First American rates and eRemit integration.

Next: Contact Resware support to verify the config file settings, then complete the following steps. Contact an account director if further assistance is needed; Resware’s Expert Services team can help with integration set up, which will be billed at the current professional services rates.

Then: Test

Version History

VersionDateIDDescription
9.815256Functionality added
9.8.24
9.9.7		08/23/2019
08/30/2019		16807Added eRemit functionality
12/05/2020Split into a user guide and an admin article
02/04/20212031417Added note on XML setup and create policy form sections per FirstAm request
9.1003/01/20212034212XML client panel update. Added endorsement import note regarding the need for existing Resware endorsement to map.
03/25/20212036567Office option name changed-updated screenshot. Added the internal user role section. Added notes of clarification to steps. Added the settlement groups-verify fees info. Updated the UW-Misc. rate engine screenshot. Added integration logging information

Enable the Office Option

This step enables the office option necessary to set up the functionality in Resware specifically for the First American rates integration.

Admin/General Setup/Offices/Edit/Settlement

  • Enable the office option for First American: Use First American Rates in each office that will be using the First American rate engine.

Internal User Role

Admin/Internal Users/Roles

The following roles are necessary to set up and manage the First American integration.

  • Admin: Integration Logging (optional)
  • Admin: Partners
  • Admin: Partners: Partner-type Specific Data
  • Admin: Policy Forms
  • Admin: Policy: Enter and Modify Policy Rate Code
  • Admin: Settlement Type Defaults
  • Admin: Title Premium Rates

Set up the XML Client

If other First American services are already in use (e.g., CPL, policy upload, or search), then this step may be skipped.

Admin/General Setup/XML Clients/General

  • Select First American and click Edit.
  • Check Enabled to enable the service.
  • Enter the Web Service URL as https://agency.myfirstam.com/Login.aspx.
  • Enter the Outgoing Username provided by First American (AgentNet credentials).
  • Enter the Outgoing Password provided by First American (AgentNet credentials).
  • Set the Send Errors To field to an email address where notifications will be sent when errors occur.
  • Click Save.

Add the First American XML Package to Products

Edit all product types that use First American rates. If an XML package is currently on a product, then remove and re-add, otherwise add)

Admin/Action Lists/Product Types/Edit/XML

  • Click Add and select First American.
  • Click OK.
  • Click Save.

Add Settlement Types

The following information is intended as a guide for new installations. When setting up the integration in an existing system, current settlement type lines may be used when available. Otherwise, add additional settlement type lines as needed.

Admin/General Setup/Settlement Type Defaults

The First American rate engine returns fees which require mapping to dedicated settlement type lines including, but not limited to, the following: CPL fees – These are mapped using a CPL type and a CPL party. Create a new settlement type for each type and party combination needed. For example, if all types and parties are utilized, eight new lines need to be created.

  • CPL types include standard, single transaction, and blanket.
  • CPL parties include buyer/borrower, lender, seller, buyer, borrower, and lender/borrower.
    • Illinois and Florida properties return state policy fees for both an owner’s policy and a lender’s policy. 
    • Create a new settlement line for each policy. 
    • Kentucky properties return municipal premium taxes for CPLs, an owner’s policy, and a lender’s policy. 
    • Create new lines for each type.
  • To add additional settlement type lines:
    • Highlight the Miscellaneous Title Charges line and click Copy. 
    • A new settlement line named Copy – Miscellaneous Title Charges will be created.
  • Highlight the newly copied line and click Edit.
  • Change the Settlement Statement Line name from Copy – Miscellaneous Title Charges to something like Closing Protection Letter – Standard Borrower.
  • Click Save.
  • Repeat steps to create each new CPL settlement type line as follows:
    • CPL – Closing Protection Letter – Single Buyer
    • CPL – Closing Protection Letter – Single Lender
    • CPL – Closing Protection Letter – Singe Seller
    • CPL – Closing Protection Letter – Standard
    • CPL – Closing Protection Letter – Standard Buyer
    • CPL – Closing Protection Letter – Standard Lender
    • CPL – Closing Protection Letter – Standard Seller

NOTE: First American does not return Washington state municipal premium taxes.

Create a Settlement Fee Group

Adding the settlement fees in a group allows an admin to manage the incoming fees in one location. Setting up the settlement lines in this group allows the integration a mechanism to enter fees on the settlement lines.

Admin/Partner-Related/Settlement Fee Groups

Adding fees

Create a settlement fee group for CPL fees, state policy fees, and municipal premium taxes to calculate fees based on product, location, and sales price or loan amount.

  • Click Add to create a new settlement fee group for First American fees.
  • Highlight the appropriate option in the Product area (Default or product-specific).
  • Select the State from the drop-down menu if fees are state-specific.
  • Highlight the Fee Name and click Edit.
  • For CPL fees:
  • Select either the Based on Sales Price or Based on Loan Amount depending on how the fee is calculated.
  • Select the CPL Type and CPL Parties (if any).
  • Click Save.
  • Repeat for each CPL settlement line as needed.

NOTE: The above example displays multiple CPL settlement line possibilities. The setup required is based on the needs in the state(s) where services are provided.

  • For the Illinois and Florida Lender’s State Policy Fee and Owner’s State Policy Fee:
    • Select Based on Loan Amount or Based on Sales Price as appropriate.
    • Select State Policy Fee in the First American drop-down menu.
    • Click Save.
  • For Kentucky’s Municipal Premium Tax:
    • Select Based on Loan Amount or Based on Sales Price as appropriate.
    • Select Municipal Premium Tax in the First American drop-down menu.
    • Click Save.
  • For Kentucky’s CPL Municipal Premium Tax (shown to clarify this specific setup requirement):
    • Select Based on Loan Amount or Based on Sales Price as appropriate.
    • Select Municipal Premium Tax in the First American drop-down menu.
    • Select the CPL Type and CPL Parties (if any).
    • Click Save.
  • After all fees are set up, click Save on the Edit Settlement Fee Group panel.

Verify fees

To verify all settlement fee lines are setup as needed, a list is available to view. The list will display a row for each programmed fee in the settlement fee group. Columns containing “Default” indicate that the fee has that column set to default.

Admin/Partner-Related/Settlement Fee Groups

NOTE: Save all changes before viewing fees. Fees only show that have already been saved.

  • Edit the First American Fees (Rates Integration) settlement fee group
  • Click View All Fees.

Create Policy Forms

The following information is intended as a guide for new installations. When setting up the integration in an existing system, current policy forms may be used when available. Otherwise, add additional policy forms as needed.

Admin/General Setup/Policy Forms

  • Create policy forms for each First American product available for use (if they are not already available in Resware).

Examples are ALTA Owner’s Policy, ALTA Loan Policy, ALTA Short Form Res Loan Policy, Litigation Guarantee, and ALTA Homeowners Policy. If necessary, set up separate extended and standard coverage policy forms as well.

NOTE: Add any policy forms that are not currently in Resware.

Setting up the Underwriter Partner

The following information is intended as a guide for new installations. When setting up the integration in an existing system, the existing First American underwriter partner may be used when available. Otherwise, add a new partner as needed.

Admin/Partners

  • Click New to add a First American partner or search for an existing one and click Edit.
  • If a new partner is added, click Add in the Partner Types area and select the Underwriter type.

Admin/Partners/Vendor Management

  • Click on Settlement Fees, add the First American Fees settlement fee group (created above) to Combined Fees, and save the panel.

Admin/Partners/Underwriter Data/Miscellaneous

  • Click on Underwriter in the Partner-Type Specific Data section.
  • Select the First American Underwriter.

Admin/Partners/Underwriter Data/State Based

  • Select a state
  • In the Templates area, set the policy forms and templates for the owner’s and lender’s policy for each product.
  • In the Endorsements grid, click Import From FA. This will make a call to First American and will fetch the list of First American endorsement names that can be associated with new or existing endorsements in Resware for the selected state. A pop-up message displays how many First American endorsements were imported.
  • The Import Endorsements panel will be displayed. First American endorsements can be matched to existing Resware endorsements by selecting the corresponding endorsement in the First American Endorsement column.
  • If endorsements do not currently exist in Resware for a specific state, the Import Endorsements panel will appear blank until at least one endorsement is added in Resware.
  • If an endorsement does not already exist in Resware, click Add.
  • Check the Rate Engine checkbox and select the First American endorsement from the drop-down menu. Selecting a First American endorsement will populate the endorsement’s Name. Properties located in Texas, New Mexico, or New York will also populate the Stat Code drop-down menu with available endorsement stat codes to select for the state.

NOTE: In Texas, there are a few endorsements that have multiple stat codes available. In these cases, mapping stat codes is not recommended. When users add endorsements to the file without a mapped stat code, First American will provide a list of available options from which the user can select.

Create Rate Types

Admin/Title Premiums/Rate Types

  • Highlight a rate type and click Add or Edit.
  • Select the State in the Rate area, then set the following:
    • Max Coverage Amount: Optionally, the maximum coverage amounts for the loan amount or sales price on the file for the selected state. If a user places an order that is over the maximum coverage amount, no rate will be assigned and a trigger of “No Rate Type Assigned” will be added to the file. On existing files, users will not be able to change the rate type if the coverage amount is over the new rate type maximum coverage amount nor will they be able to save the loan amount or sales price if they’re over the maximum coverage amount.
    • Rate Code: The default policy rate code. When adding a new policy, the system will look up the underwriter’s rate type code and populate it with this value if this rate was used to calculate the respective premium (e.g., lender’s premium for lenders policy and owner’s premium for owner’s policy). If a default code is not set for a specific county group or condition, the code for the default county group will be used.
    • Extended Coverage: If this rate is used for extended coverage policies, check the Extended Coverage checkbox. Leave this unchecked for standard coverage policies.
    • First American Product: The First American product, e.g., ALTA Loan Policy (6-17-06), ALTA Owner Policy (6-17-06), ALTA Homeowners (EAGLE) Policy (Rev. 12-2-13), and so forth. This list will vary based on the state. The product must be selected before First American rates become available.
    • First American Rate: The First American rate, e.g., Basic, Refinance, Pay As You Go, Substitution, and so forth. This list will vary based on the selected product.
    • First American Business Segment: The First American business segment, e.g., Residential, New Home, Timeshare, and so forth. This field will contain options if available in the selected state; otherwise, the field will be greyed out.
  • If setting multiple states on the same rate table, then select another state and repeat above steps.
  • When done adding all states as needed, click Save.

There is no configuration needed for simultaneous rates. When a request is for both an owner’s and a lender’s policy concurrently, simultaneous rates will be returned.

Set Rate Engine Usage

Admin/Title Premiums/Rate Engine Usage

This panel allows the user to select the underwriters, states, counties, transaction/product types, and clients for which the First American rate engine is enabled. NOTE: Use Recommended Underwriter checkbox is only used when the TitleHound rate engine is used.

  • Underwriter: The default row represents the rates that will be used by default for all underwriters. To add different usage for a First American underwriter, click Add and select the underwriter partner.
  • Rate Engine: This is the rate engine that will be used for the selected underwriter when calculating rates. By default, Resware rates are used. Change this selection to First American.
  • State: By default, all states use the rate engine usage set for the selected underwriter. To override rate usage for states, click on Add and select the state where the rate engine should be overwritten. Change the rate engine selection for each state added.
  • County: By default, all counties use the rate engine usage set for the selected underwriter and state. To override rate usage for counties, click Add and select the county where the rate engine should be overwritten. If the default state row is selected, all counties for all states will be shown. Change the rate engine selection for each county added.
  • Transaction/Product: By default, all transaction/product types use the rate engine usage set for the selected underwriter, state, and county. To override rate usage for products, click Add and select the product where the rate engine should be overwritten. Change the rate engine selection for each product added.
  • Client: By default, all clients use the rate engine usage set for the selected underwriter, state, county, and product. To override rate usage for clients, click Add and select the client where the rate engine should be overwritten. Change the rate engine selection for each client added.
  • When done, click Save.

The following details the above example on setting rate engine defaults in Resware.

  • The Resware rate engine is used by default on all files unless the First American underwriter partner is on the file.
    • When First American is the underwriter partner on a file, the First American rate engine will be used in all states, counties, and transaction/products except for the following:
      • At the state level – First American is the default rate engine used unless the property is in Colorado, in which case the Resware rate engine will be used.
      • At the client level – First American is the default rate engine is used unless the client on the file is Re/Max Alliance, in which case the Resware rate engine will be used.

Set Rate Types for the Underwriter Partner

Admin/Partners/Edit Underwriter/Underwriter Data/Title Premium Rates

The First American rate engine supports rates for up to two policies per file (one owner’s and/or one lender’s policy, two owners’ policies, or two lenders’ policies). If additional policies will be issued, the file will need to use a product type that does not use the First American rate engine.

  • Set the Loan # to 1st .
  • Select the Transaction Type.
  • Highlight the product type(s) and click Edit Available Rates.
  • Highlight the rate that will be used to calculate lender policy premiums for the selected transaction/product/policy form in the Premium Rates area.
  • Click the Basic checkbox in the Apply to Lender’s area.
  • Click Add. This rate now will display in the Lender’s Premium Rates area. Double-click on this rate to set it as the Default rate.
  • Highlight the rate that will be used to calculate owner policy premiums for the selected transaction/product/policy form in the Premium Rates area.
  • Click the Basic checkbox in the Apply to Owner’s area.
  • Click Add. This rate now will display in the Owner’s Premium Rates area. Double-click on this rate to set it as the Default rate.

NOTE: Only basic rate types need to be set; the rate engine handles the simultaneous rates.

Add First American Post-Pricing Actions to Workflow

Once policies are issued, a post-pricing event needs to be sent to First American to give First American the final file information, including the policy and endorsement amounts. If the Resware amounts do not match the First American amounts, a popup notifies the user, and a note is added to the file showing any differences. The amounts on the Resware file will not change. Any necessary adjustments will need to be done manually in the file.

Admin/Action Lists/Global Actions

  • Click Add to create a global action to send the post-pricing event.
  • Enter the Action Name.
  • Click Save, New.
  • Click Add to create another global action to be added to the file in the event of fee mismatch.
  • Enter the Action Name.
  • Click Save.

Admin/Action Lists/Action Groups

  • Highlight the action group that should contain the action to send the request and click Edit Actions.
  • Click Add Action to add the First American: Post-Pricing Request global action.
    • Check Dynamic.
    • Select the Responsible Party in the Start Task area and the Complete Task area.
    • Check Auto-start when Added to File.
    • Check Selected in the Partner Specific area.
    • Select Add and search to add the First American underwriter partner.
    • Click Save.
  • Click Edit Affects.
  • Click Add in Complete Task Marked Done Affects section.
    • Select the following in 5 – Marking Done Sends XML:
      • XML: First American: First American: Post-Pricing Request.
      • Send To: Underwriter.
    • Click Save, Save.
  • Click Add Action to add the First American: Pricing Mismatch global action.
    • Check Dynamic.
    • Select the Responsible Party in the Start Task area and the Complete Task area.
    • Check Auto-start when Added to File.
    • Click Save.

Admin/Action Lists/Action Groups/Edit Triggers

The following steps will add actions to the workflow when an external trigger is fired.

  • Click Add.
  • Set the External Trigger to First American: Post-Pricing Mismatch.
  • In section 1 – Marking Done Creates Action, select the Group and Action to add the First American: Pricing Mismatch action.
  • Click Save.
  • Click Add.
  • Set the External Trigger to Policy Created.
  • In section 1 – Marking Done Creates Action select the Group and Action to add the First American: Post-Pricing Request action.
  • Click Save.

Integration Logging

This feature is optional but helpful when trying to troubleshoot issues with the integration. The integration logging interface enables logging immediately.

Admin/General Setup/Integration Logging

Enable the logging functionality:

  • Select First American and click the Log Enabled box.
  • To retrieve a log file:
    • View: This views a log directly in Resware.
    • Zip & Download: This will zip either a single log file or a whole directory of logs located on the server for a selected integration. The user can optionally add a password to the zip file, which also causes the file to be encrypted with AES-256.
    • Zip & Send to Resware: This will zip either a single log file or a whole directory of logs located on the server for a selected integration and send those logs to Resware support. The user can optionally add a password to the zip file, which also causes the file to be encrypted with AES-256.

FAQs 

Are Washington state municipal taxes returned through this integration?

No, this integration does NOT return tax amounts for premium or settlement fees in the state of Washington. Also noted in article.

How is remittance calculated?

Resware uses the remittance value sent back from First American, as long as the remittance returned is non-zero. If the remittance amount returned is zero, Resware uses the remittance calculation set up for the state and underwriter.

I had to modify a policy that has already been remitted, but it doesn’t show up when I run a remittance export as eRemit. Why isn’t my policy showing up?

Once a file has been “closed” in AgentNet, it will not longer be eligible for eRemit. A file in AgentNet is closed when it is remitted, so any adjustments to the file need to be submitted manually. The file will still be included in remittance exports when the eRemit checkbox is not checked.

I recently turned on the rates/fees integration, but my files can’t be eRemitted.

Only files that used the rates/fees integration are eligible for eRemit. Any files that were completed before the rates/fees integration was used will need to be manually remitted.

Updated on April 20, 2022

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