What Pre-Policy Intelligence Is — and what the $149 order does.

Title Work, Moved to Day One

Every real estate transaction runs on parallel workstreams — appraisal, underwriting, environmental, documentation. All of them start at day one. Title has traditionally been the exception, ordered at conditional approval or closing scheduling.

Pre-Policy Intelligence removes that exception. The $149 order is placed at the letter of intent, the application, or the contract — and the title file opens immediately. The same work that would eventually happen anyway now runs in parallel with everything else, with time to act on what it finds.

How the Automation Works

Ordering is deliberately simple — no phone tag, no waiting for a callback:

1. Send the link. A lender, attorney, or advisor sends the order link to the borrower or buyer — or the customer orders directly.
2. The customer completes a short intake. Property address, contact details, transaction type — a few minutes, any device, any hour.
3. Secure payment. $149, processed securely through Stripe.
4. IRIS takes it from there. The moment the order is received, IRIS — Intelligent Title's automated intelligence platform — opens the file and begins processing: ownership examination, lien identification, encumbrance disclosure, judgment and tax review, legal description verification.
5. Initial response within 24 hours. Findings are delivered to every party who needs them — while the rest of the file is still opening.

What You Get Within 24 Hours

The initial Pre-Policy Intelligence response answers the questions every transaction depends on:

• Ownership — who holds record title, and whether the party across the table has authority to convey
• Liens — mortgages, judgments, tax liens, mechanic's liens, and unreleased instruments of record
• Encumbrances — easements, restrictions, covenants, and recorded interests that shape the deal
• Judgments & taxes — the financial obligations that attach to the property or the parties
• Legal description — verification that the property being contracted is the property of record

This is the same record a title commitment is built on — delivered at the start of the deal instead of the end, so decisions are made with the facts in hand.

What the $149 Pays For

The work. The $149 pays for the title search and examination — real work performed on the property, delivered to the ordering party whether or not the transaction closes.

The credit. When the transaction closes with a title insurance policy issued by Intelligent Title, the full $149 is credited against the title insurance premium. You do not pay twice for the same work.

The relationship. The same title company that opens the file at day one issues the policy that closes the deal — one title relationship, contract to closing.

Why It Is Different

Pre-Policy Intelligence is the title file itself, opened early by a full-service title insurance company — underwritten by Stewart Title Guaranty Company and WFG National Title Insurance Company — and processed by IRIS for speed, consistency, and round-the-clock availability.

Institutional-quality intelligence, in hours instead of weeks — available 24/7, priced the same for everyone, and credited at closing.