Jamie Ellis
President & CEO · Texas desk lead
For lenders in all 50 states
Your Texas refinance desk.
If the collateral is in Texas, your lending team does not need a Texas branch to get a Texas title and escrow team. WG Title quotes the state-set Loan Policy premium, opens the file, works with your processor, coordinates signing and funding, and keeps one named escrow officer on the other end.
Texas property. Nationwide lending team. One Texas closing desk.
StatewideTexas real property
10,000+WG Title closings
Named teamNot a national queue
Direct handoffLoan officer to escrow
The Texas pricing answer
The state sets the policy premium. The title team earns the file on execution.
Texas does not let title companies bid the title insurance premium up or down. Insurance Code §2703.151 requires the commissioner of insurance to fix and promulgate the rates charged by title companies and agents. Commissioner's Order 2025-9697 requires every company to use the current Basic Premium schedule effective March 1, 2026.
That requirement is about the title insurance premium and promulgated rate rules. It is not a cap on every dollar that may appear in a refinance. Escrow or settlement fees, recording, tax certificates, payoff charges, endorsements, and other file-specific items are separate. The fair comparison is a complete written quote—and whether the team gets it right.
Quote the promulgated part first
Estimate the Texas Loan Policy premium.
See the Basic Premium immediately. If a prior insured lien may qualify, add the exact R-8 inputs and see the potential credit before sending the scenario to WG Title.
Three names, not a queue
Jamie sets the standard. The desk has depth.
Jamie Ellis has led WG Title since 2018 and brings more than a decade of title experience. Rachelle Dytko brings more than a decade of title experience, and Kendall Knapton brings more than 15 years coordinating escrow and closing work. A refinance scenario submitted here alerts all three.
Meet the WG Title team →Rachelle Dytko
Escrow Officer · Residential closing depth
Kendall Knapton
Escrow Officer · 15+ years of experience
How the file runs
From your LOS to the Texas county clerk.
- 01
Send the scenario
New loan amount, Texas property, county, expected closing, and prior policy facts if available.
- 02
Receive the itemized quote
State-set premium and applicable rate rules separated from escrow, recording, and file-specific charges.
- 03
Open and clear the Texas file
Title, payoff, survey, CPL, commitment, and lender requirements move with one named escrow contact.
- 04
Balance, sign, fund, record
Signing method is confirmed against the transaction and investor requirements before the closing date is promised.
Straight answers for national lenders
Texas is different. The handoff does not have to be hard.
These answers define what WG Title can coordinate and where a final quote, investor instruction, underwriter, or attorney still controls.
Can an out-of-state lender use WG Title for a Texas refinance?
Yes. If the real property is in Texas, WG Title can handle the Texas title, escrow, signing coordination, funding, recording, and Loan Policy work while your loan officer, processor, closer, and investor are based elsewhere in the United States.
Are Texas title insurance premiums the same at every title company?
Yes. Texas Insurance Code Section 2703.151 requires the commissioner of insurance to fix and promulgate the premium rates charged by title insurance companies and agents. The current TDI Basic Premium schedule took effect March 1, 2026. Escrow, settlement, recording, and transaction-specific charges are separate and may vary.
How does the Texas R-8 refinance credit work?
For a qualifying new Loan Policy that fully takes up, renews, extends, or satisfies an insured existing lien, R-8 calculates a credit from the Basic Premium on the lesser of the written payoff balance or original loan amount. The percentage is 50% at four years or less, 25% above four and below eight years, and zero at eight years or more. The new premium cannot fall below the minimum Basic Premium, and no credit applies if the new policy adds property not covered by the existing policy.
What does the refinance calculator include?
It estimates the TDI-promulgated Basic Premium for the new Loan Policy and, when complete prior-policy facts are entered, a potential R-8 credit. It does not include endorsements, escrow or settlement fees, recording, tax certificates, payoff charges, additional chains of title, or lender charges.
Can WG Title handle a Texas home-equity refinance?
Yes. Texas home-equity loans have constitutional timing, signing-location, rescission, and fee requirements beyond an ordinary refinance. Send the scenario early so the lender, title team, and any needed counsel can confirm the file-specific path.
Can the borrower sign outside Texas or remotely?
Often, but the method depends on the transaction, the lender and investor requirements, the documents, and applicable notary rules. WG Title confirms the available mail-away, mobile-notary, hybrid, or remote option before promising a signing method.
The compliance rail
A public estimate, not a preferred-lender benefit.
Texas title insurance premiums are promulgated by the Texas Department of Insurance and are the same at every Texas title company. Escrow and settlement fees are set by each company and do vary.
The calculator is available to any lender or consumer on the same terms and is not conditioned on referrals, volume, approved-list placement, or directing a closing to WG Title.
Planning estimate only. TDI rules, the verified existing policy and payoff, the issued commitment and endorsements, lender disclosures, the final title quote, and the settlement statement control.
Reviewed against TDI's current Basic Premium schedule, Commissioner's Order 2025-9697, and Rate Rule R-8 on July 29, 2026.