Creative Title Company is the title company backed by Westcor, an A” Double Prime, $318M-surplus underwriter. Investor and wholesaler deals close with the financial muscle of a national and the speed of a boutique.
You can go with a big-box national chain, or a solo local shop. Or you can have both: a boutique closer backed by the strongest independent underwriter in the country.
| What Matters | Creative Title (Backed by Westcor) | National Big-Box Chain | Solo Local Shop |
|---|---|---|---|
| Underwriter Financial Strength | A” Double Prime · $318M surplus & reserves | A or A- (varies by carrier) | Depends on referral underwriter |
| Reinsurance Capacity | Up to $150M per transaction | Yes, but slow approval cycles | Usually punts large deals |
| Underwriter Access | Direct phone & same-day decisions | Phone queues & ticket systems | Limited; depends on relationship |
| Creative Finance Expertise | Subto, wraps, novation, double-close, assignment | One-size-fits-most national process | Hit or miss |
| Response Time | Same-day file response, always | Variable; depends on queue | Variable; depends on bandwidth |
Most title companies make you choose. Go local and lose the financial muscle. Go national and become a ticket number. We refuse the tradeoff, and Westcor is how we deliver it.
Every title policy we issue is backed by Westcor Land Title Insurance Company, the largest independent title underwriter in the United States. $318M in combined surplus and reserves, A” Double Prime financial strength, and reinsurance capacity up to $150M per transaction. That means your buyer is protected, your lender is comfortable, and your deal actually closes.
Westcor was founded by title agents and is still independent today. They built the company around speed and direct underwriter access. No phone trees. No three-week turnaround on a curative. Real people, real solutions, same business day.
Creative Title is independent. We're not owned by a national brokerage, a builder, or a Fortune 500 conglomerate. Every decision we make is for the deal in front of us, not for an out-of-state quarterly earnings call.
Westcor is the #1 independent title underwriter in the country. Founded by title agents in 1993, still agent-first, still building products around the realities of how real estate actually closes. That mission alignment is why we partner with them, and why our combined model works.
When you close with us, you're getting a boutique team that answers the phone, backed by the only nationwide underwriter built specifically to make independent title agents successful.
The Westcor backing flexes to the deal in front of you. Here's what it looks like for each audience we serve.
Subject-to, novations, wraps, seller-financed, BRRRR, multifamily, commercial assemblage. Our underwriter has the surplus and reinsurance capacity to back the policy at any size.
$5 O&E reports, $500 flat-fee escrow, same-day file response, and a Westcor-backed policy at closing. Your end-buyer's lender doesn't ask questions when they see Westcor on the commitment.
When your buyer's lender pulls the title commitment and sees an A” Double Prime, #1 Independent underwriter, there's no underwriter approval delay, no second-guessing the policy, no scrambling at the closing table.
Creative Finance Specialists · Licensed in Colorado & Tennessee · Backed by Westcor