How Texas’ Title Insurance Rate Reduction and Remote Online Notarization Are Reshaping Real Estate Closings
The Texas Department of Insurance (TDI) has announced a statewide 10% reduction in title insurance premium rates, effective July 1, 2025. Issued by Insurance Commissioner Cassie Brown, this major change is projected to save Texas consumers approximately $238 million every year. The decision follows a detailed review from both the Texas Land Title Association (TLTA) and the Office of Public Insurance Counsel (OPIC)—with TLTA recommending no changes and OPIC advocating for a rate decrease.
To review the full TDI order, visit:
https://www.tdi.texas.gov/rules/2024/documents/20259125.pdf
Since Texas promulgates title insurance rates—meaning every title company must charge the same premium based on a property’s sale price—the reduction applies uniformly across the state. While some industry professionals have expressed concerns about reduced revenue margins, the savings for buyers, lenders, and real estate professionals are substantial.
How Remote Online Notarization Further Reduces Closing Costs
Beyond title insurance premiums, closing costs can be reduced even further through the adoption of Remote Online Notarization (RON). Traditional closings involve travel, physical notary appointments, paper processing, and logistical delays—all of which add cost and complexity.
RON modernizes the process with benefits such as:
- Lower Notary Fees: ProNotary offers a flat $10 per session, giving title companies predictable, low-cost digital notarization options.
- No Travel Expenses: Signers and notaries can meet digitally, eliminating transportation and scheduling obstacles.
- Faster Closings: The digital workflow accelerates review, signing, and notarization, reducing turnaround times.
- Enhanced Security & Compliance: ProNotary provides tamper-evident audit trails, identity verification, and digital recording for greater transparency and legal assurance.
With Texas at the forefront of title insurance reform and digital notarization adoption, title companies, lenders, and real estate professionals have a powerful opportunity to streamline operations and deliver even more savings to consumers.
The Future of Real Estate Transactions in Texas
While the 10% premium reduction offers welcome savings to homebuyers, integrating RON into the closing process amplifies those savings even further. Digital notarization reduces overhead, speeds up transaction timelines, and creates a seamless experience for buyers, sellers, lenders, and agents.
As the industry continues moving toward digital-first workflows, ProNotary provides the secure, scalable, and compliant platform needed to modernize Texas real estate closings.
Ready to reduce closing costs and optimize your workflow?
Schedule a demo with ProNotary and discover how RON can transform your closing process.
