INFINITY TITLE INFO
Title agencies
Monthly reconciliations ready for underwriter and state audits.
Post-closing service
Escrow reconciliation,balanced to the cent.
Monthly three-way reconciliation of your escrow accounts: bank statement, book balance and individual file ledgers matched, with every difference found, explained and cleared.
3-wayBank, book and files matched
8,000+Commitments every month
27Years in title back-office
24/7Including U.S. holidays
Overview
Other people’s money, accounted for.
Every escrow account holds money that belongs to buyers, sellers, lenders and payees. Every dollar has to be traceable to a file, and the account has to balance every month. State regulators, underwriters and auditors all expect to see a clean reconciliation, and an unexplained difference is a serious finding.
Our reconciliation team performs a three-way reconciliation of each escrow account. We match the bank statement to your book balance and to the sum of individual file ledgers, then investigate and document every difference until all three agree.
- Monthly three-way reconciliation of every account
- Outstanding checks and deposits in transit tracked
- Differences investigated and documented
- Reconciliation package ready for review and audit
How it works
From statement to signed-off balance.
Every account follows the same monthly cycle, so nothing is missed and every month looks the same.
- 01
Gather
Bank statement, book records and file ledgers collected.
- 02
Match
Deposits and disbursements matched line by line.
- 03
Reconcile
Bank, book and file totals brought into agreement.
- 04
Resolve
Every difference investigated and explained.
- 05
Report
Reconciliation package delivered for sign-off.
What we check
The items we reconcile.
These are the items behind most escrow differences, and each one is checked every month.
- 01Bank balanceStatement balance as of month-end.
- 02Book balanceEscrow account balance in your system.
- 03File ledger balancesSum of every open file’s balance.
- 04Outstanding checksIssued but not yet cleared.
- 05Deposits in transitReceived but not yet on the statement.
- 06Wires in and outMatched to the correct file and amount.
- 07Negative file balancesFiles disbursed beyond their funds.
- 08Stale-dated checksOld items flagged for follow-up.
- 09Bank fees & adjustmentsCharges and corrections identified.
- 10Unidentified itemsResearched until traced to a file.
Who it's for
Clean accounts for every fiduciary.
For anyone who holds funds in trust and has to prove that every dollar is accounted for.
Escrow companies
Trust accounts balanced and documented every month.
Underwriters
Agents’ escrow accounts reviewed consistently.
Settlement attorneys
Closing trust accounts kept in balance.
What it fixes
The escrow problems we take away.
Reconciliations fall months behind during busy periods.
How we fix itA dedicated team completes every account on a fixed monthly schedule.
A small difference sits unexplained for months.
How we fix itEvery difference is investigated until it’s traced and cleared.
Old outstanding checks keep piling up.
How we fix itStale-dated items are flagged so your team can follow up.
The auditor asks for documentation you can’t find.
How we fix itEach month ends with a complete, review-ready package.
What to expect
Turnaround, coverage and controls.
Turnaround
Monthly reconciliations completed within 10 business days of month-end.
Coverage
Escrow accounts for agencies in all 50 U.S. states.
Quality
A three-way match on every account, with every difference documented and a review-ready package each month.
Security
ISO 27001 certified. Our team works inside your platform under your access controls and does not move funds.
In depth
Why three-way reconciliation matters.
Where reconciliation fits
Every closing moves money through an escrow account: earnest money in, loan funds in, payoffs, commissions, taxes and seller proceeds out. Across hundreds of files a month, that adds up to thousands of transactions in an account that holds nothing of the agency’s own. Reconciliation is how the agency proves, every month, that the money is all there and that every dollar belongs to a specific file.
A two-way reconciliation compares the bank to the books. A three-way reconciliation adds the third check that matters most: the total of every individual file ledger must equal both.
When the bank, the books and the files agree, every dollar in the account has an owner.
What goes wrong without it
When reconciliations slip, small problems hide. A wire posted to the wrong file leaves one file short and another over. A disbursement made before funds cleared creates a negative balance. A duplicate check goes unnoticed. Each month the differences get harder to trace, and they come to light at the worst moment — an underwriter audit, a state examination or a claim. In many states, timely three-way reconciliation is a regulatory requirement, and underwriters routinely require it of their agents.
How our process prevents it
Each month our team gathers the bank statement, your book records and the individual file ledgers. We match deposits, wires and disbursements line by line, list outstanding checks and deposits in transit, and bring the three totals into agreement. Anything that doesn’t match is investigated — traced to its file, explained and documented — and items that need action, such as stale checks or negative balances, are flagged to your team.
Our team reconciles and reports; it does not move or release funds. Corrections and disbursements stay with your authorised staff.
Ready for any audit
Every month ends with the same package: the three-way reconciliation, supporting schedules and a note on every reconciling item. When an auditor or underwriter asks, the answer is already on file.
Accounts reconciled in the platforms you run.
- Qualia
- ResWare
- RamQuest
- SoftPro
- TitlePoint
- NexTace
- Title Express
- AIM
Questions
Escrow reconciliation, answered.
What is a three-way reconciliation?
It confirms that three figures agree: the adjusted bank balance, the book balance in your system and the total of all individual file ledger balances. All three must match for the account to be fully reconciled.
How often do you reconcile?
Monthly as standard. More frequent reconciliation can be arranged for high-volume accounts.
Do you move or release funds?
No. We reconcile, investigate and report. All disbursements, corrections and fund movements remain with your authorised staff.
What happens when there’s a difference?
We trace it to the file and transaction behind it, document the explanation and flag any action needed to your team.
Can you catch up on reconciliations that are behind?
Yes. We can work through a backlog of prior months and then move to a regular monthly cycle.
What do we receive each month?
A reconciliation package with the three-way reconciliation, supporting schedules such as outstanding checks and deposits in transit, and notes on every reconciling item.
What is your typical turnaround?
Most monthly reconciliations are completed within 10 business days of month-end.
Will the package satisfy our underwriter’s audit?
Our packages follow standard three-way reconciliation practice. We can adapt the format to the specific requirements of your underwriter or state.
Let's talk
Every account in balance.
Tell us how many escrow accounts you run and how many files close each month. We'll show you how our team would reconcile them.
877-463-8485