What Is an Escrow Agent Bond?
An escrow agent bond is a state‑required surety bond that guarantees escrow agents handle client funds ethically, accurately, and in full compliance with state escrow laws.
This bond protects consumers and lenders from:
- Misuse or misappropriation of escrow funds
- Fraud or dishonest acts
- Mishandling of client accounts
- Failure to follow state escrow regulations
- Negligence or failure to perform escrow duties
If you’re applying for or renewing an escrow agent license, your state may require this bond before granting approval.
Escrow Agent Bond Amounts and Cost
Bond amounts vary by state and typically range from $10,000 to $100,000, depending on:
- State regulations
- Volume of escrow transactions
- Type of escrow services offered
Your premium depends on:
- Bond amount
- Credit score
- Business financials
- Licensing history
Most applicants qualify instantly with competitive rates.
Who Needs an Escrow Agent Bond?
You may need an escrow agent bond if you are:
- An escrow company
- An independent escrow agent
- A title company offering escrow services
- A real estate settlement provider
- A mortgage closing agent
- A business handling third‑party funds
Any professional managing escrow accounts or settlement funds may be required to file this bond.
Escrow Agent Bond Requirements & Eligibility
States typically require:
- Completed escrow agent license application
- State‑mandated bond amount
- Credit review
- Background check
- Proof of financial responsibility
- Annual renewal
Some states require additional coverage for trust accounts or multi‑branch operations.
How the Escrow Agent Bond Process Works
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Secure the Lowest Rate
We match you with the best rate available from A‑rated sureties.
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Receive your bond
Same‑day issuance available for state filing.
Why Escrow Professionals Choose Us
- Lowest rates from A‑rated sureties
- Fast approvals
- Digital delivery for immediate filing
- Escrow and settlement‑service bond specialists
- 100% state compliance guaranteed
Top Escrow Agent Bond Questions Answered
Our most common questions answered efficiently.
Premiums vary based on bond amount, credit, and state requirements.
Many escrow bonds are approved the same day.
It guarantees ethical handling of escrow funds and compliance with state escrow laws.
Surety bonds are generally non‑refundable once issued.
Some states require separate bonds for branch locations.
