Ameristar Title Company provides title and closing services for refinance, home equity, and reverse mortgage loans. They have years of experience working with large lenders and process thousands of transactions per month. Ameristar has streamlined operations through centralized processing, advanced technology, and scanning/archiving completed files. This allows them to ensure accuracy, consistency, and efficiency in fulfilling all orders. They offer customized settlement solutions for refinance transactions, including obtaining payoffs, reviewing title commitments, preparing documents, and issuing policies. Ameristar provides credits on refinance title policy premiums that decrease over time from the original mortgage.

2. AMERISTAR
TITLE COMPANY
- ACCURACY -
- DEPENDABLE -
- EXPERIENCED -
- EFFICIENT -
With years of experience gained in working with the nation's largest lenders doing thousands of jobs each
month, we have streamlined and centralized all of our businesses, empowering us to accurately and
efficiently provide title and closing services for refinance, home equity, home improvement and reverse
mortgage loans. These refinements include order processing, title plant operations, curative, closing,
escrow and policy production. Additionally, we have developed and implemented sophisticated
technologies to coordinate all parties involved in the transaction, ensuring that solid communication can
be maintained throughout the process. When files are completed, they are scanned, archived and indexed
to make sure that we can support the client efficiently with all post-closing requirements. Consequently,
Ameristar is able to ensure that all orders are fulfilled with the highest level of care, consistency, accuracy
and efficiency.
The Statewide Title Services Division offers a customized settlement solution for refinance transactions.
Refinance Closing
Provide insured closing letter to Lender
Obtain payoffs and tax certificates
Review title commitment for curative matters
Work with Lender and Borrower to determine insurability of property in accordance with Lender
requirements
Prepare documents, through attorney, for curative matters, deeds, releases and other documents as
may be required
Order insurance endorsements on homeowner's policy per Lender instructions
Provide Lender with title fees and closing costs to determine loan amount
Prepare HUD-1 upon receipt of Lender instructions
Obtain Lender approval of HUD-1
Schedule signing with the Borrower
Review all documents for proper signature and notarization
Ship loan package to Lender prior to expiration of the 3 day right of rescission
Upon Lender approval, disburse all funds in accordance with the HUD-1 Settlement Statement
Record documents with the county clerk in the appropriate county
Issue the Mortgagee Title Policy and necessary endorsements
Resolve any post closing issues
500 S Nolen Dr, Ste 100 Southlake TX 76092
Ph (800) 920-9270 Fx (800) 519-9270
www.ameristarusa.com

3. AMERISTAR
TITLE COMPANY
REFINANCE CREDITS ON
MORTGAGE TITLE POLICY PREMIUMS
R-8. Mortgagee Policy, on a Loan to take Up, Renew, Extend or Satisfy an Existing Lien(s)
On a Mortgagee Policy, issued on a loan to fully take up, renew, extend or satisfy an old mortgage(s) that
is already insured by a Mortgagee Policy(ies), the new policy being in the amount of the note of the new
mortgage, the premium for the new policy shall be at the Basic Rate, but a credit shall reduce the
premium by the following amount:
a) 40% of the premium calculated at the current rate on the written payoff balance of the old
mortgage, such renewal occurring within two (2) years from the date of the Mortgagee Policy
insuring the old mortgage;
b) 35% of the premium calculated at the current rate on the written payoff balance of the old
mortgage, such renewal occurring more than two (2) years but less than three (3) years from the
date of the Mortgagee Policy insuring the old mortgage;
c) 30% of the premium calculated at the current rate on the written payoff balance of the old
mortgage, such renewal occurring more than three (3) years but less than four (4) years from the
date of the Mortgagee Policy insuring the old mortgage;
d) 25% of the premium calculated at the current rate on the written payoff balance of the old
mortgage, such renewal occurring more than four (4) years but less than five (5) years from the
date of the Mortgagee Policy insuring the old mortgage;
e) 20% of the premium calculated at the current rate on the written payoff balance of the old
mortgage, such renewal occurring more than five (5) years but less than six (6) years from the
date of the Mortgagee Policy insuring the old mortgage;
f) 15% of the premium calculated at the current rate on the written payoff balance of the old
mortgage, such renewal occurring more than six (6) years but less than seven (7) years from the
date of the Mortgagee Policy insuring the old mortgage.
After the lapse of seven (7) years from the date of the Mortgagee Policy insuring the old mortgage, the
Basic Rate shall apply. Where more than one chain of title, as the term quot;chain of titlequot; is from time to
time defined by the Commissioner, was involved in the issuance of the original policy(ies), and the new
policy includes one or more of such additional chains of title involved in the issuance of the original
policy(ies), an additional premium charge as established by the Commissioner shall be added for each
additional chain of title involved. On Mortgagee Policies, issued on multiple loans to fully take up,
renew, extend or satisfy an old mortgage insured by a single Mortgagee Policy, the new policies being in
the amount of the new mortgages, the premium for the larger Mortgagee Title Policy shall be at the Basic
Rate, but a credit shall be allowed upon the premium as set forth previously in this rule. The premium for
the remaining new Mortgagee Title Policy(ies) shall be at the Basic Rate. A credit shall still be allowed
upon the premium as set forth in this rule even if not all of the new loans are insured or if only one of the
new loans is insured. The reduction in rate as herein prescribed shall not apply to any case where any
additional property not covered by the original policy(ies) is included in the policy to be issued. In the
calculation of the credit, the amount from the written payoff balance shall not exceed 100% of the original
amount of the old mortgage. In no event shall the premium collected be less than the regular minimum
promulgated rate for a Mortgagee Policy.
For additional information or for assistance in figuring the title policy premium credits, contact Ken Mask
at (800) 920-9270 ext 7118 or ken.mask@ameristarusa.com
500 S Nolen Dr, Ste 100 Southlake TX 76092
Ph (800) 920-9270 Fx (800) 519-9270
www.ameristarusa.com

4. AMERISTAR
TITLE COMPANY
ESTIMATED CLOSING COSTS FOR
REFINANCE TRANSACTIONS
Escrow Fee $200
Tax Certificates $57.50
Mortgagee Title Policy $150.00 plus required endorsements
Courier Fees Approximately $35
Recording Fees Approximately $125.00, based on the number of pages in the documents
recorded, cost to record deed of trust, releases, assignments, etc.
Ameristar works with numerous lenders, realtors and builders throughout Texas to facilitate
thousands of real estate transactions every year. Outlined below are some of the primary reasons
Ameristar continues to be the title company of choice for many industry-leading companies:
Statewide Coverage
o The Statewide Title Group at Ameristar has established relationships to provide clients with
title work for all 254 counties in the State of Texas.
Statewide Signing Services
o Through our sister company, Synergy Signing Services, we have established relationships to
provide signing services and courtesy closings for every county in Texas.
o We have Bi-lingual closers*******
Multiple Underwriters
o Ameristar works with the highest rated title insurance underwriters in the United States,
including LandAmerica Title Insurance Company and First American Title Corporation
Vast Experience
o Our Statewide Title Group has extensive knowledge, experience and understanding of how to
cure and close every type of real estate transaction in Texas.
Technology
o Ameristar uses a state-of-the-art software technology to communicate with our customers –
Paperless Closer!
The Power of One
o One point of contact to complete every title order in the State of Texas.
500 S Nolen Dr, Ste 100 Southlake TX 76092
Ph (800) 920-9270 Fx (800) 519-9270
www.ameristarusa.com

5. AMERISTAR
TITLE COMPANY
PLANNING AHEAD
FOR REFINANCING
Ameristar Title Company appreciates the opportunity to assist you with refinancing and home equity
loans. Below are a few helpful hints that will further aid us in providing you with a smooth, trouble-free
transaction.
Please provide us with the following information:
Name of existing lien holder, loan number and phone number
Social Security numbers
Copy of survey and notification if changes have been made since the date of the survey.
Plan ahead for your closing:
Please inform Ameristar when the loan has been approved. We can then set the closing date and
time.
It is important to schedule the closing more than three business days prior to the end of the month
to ensure funding within the same month. This is due to a three day right of rescission and to
ensure that FHA pay-offs are made no later than the first day of the following month.
To ensure accuracy and timeliness, please deliver closing instructions and original closing
package to Ameristar at least 24 hours in advance of the closing.
Please remember the Department of Insurance requires certified funds upon closing.
Contact your closing officer prior to closing to determine the amount of the closing cost.
Certified or cashiers checks, tellers checks and wired funds are acceptable methods of payment
for closing costs.
500 S Nolen Dr, Ste 100 Southlake TX 76092
Ph (800) 920-9270 Fx (800) 519-9270
www.ameristarusa.com

6. ORDER FORM AMERISTAR
TITLE COMPANY
Lender Information
Lender
Address
City, ST ZIP
Phone
Fax
Contact
Email
Borrower Information
Borrower Name
Home Phone Work Phone
Cell Phone Email
SSN Date of Birth
Co-Borrower Name
Home Phone Work Phone
Cell Phone Email
SSN Date of Birth
Property Information
Address
City, ST ZIP
County Parcel Number
Legal Description
Loan Information
Loan Type Rate/Term Refinance Cash-out Refinance Home Equity/Line of Credit
Reverse Mortgage Purchase Other ______________________
Loan Number Loan Amount
Estimated Closing Date Mtg Ins Case No.
Payoff 1 Payee Amount
Payoff 2 Payee Amount
Payoff 3 Payee Amount
Notes / Comments
Please fax your order to (800) 519.9270 or email to orders@ameristarusa.com
500 S Nolen Dr, Ste 100 Southlake TX 76092
Ph (800) 920-9270 Fx (800) 519-9270
www.ameristarusa.com