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hey everyone wade vandermolen here director of sales and marketing for steward title northern virginia washington dc area in todays video i want to talk about something that i should have probably spoken about a long time ago but a settlement agent versus a title company there are some distinct differences as youve seen above uh you know ive kind of laid what those are theres four major title insurance underwriters in the country and all the settlement agents many of our competitors in the local area they get their title insurance from one of those companies a lot of them they get them from us directly steward title so the difference is if theres issues on title title uh reports or claims or issues uh the settlement agents they have to go to one of the underwriters who they underwrite through and say hey will you clear this title can you will you insure over this issue steward title we dont have to do that here locally we have all of our title underwriters and processors everybo