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Evolving Technology 2025 webinar

Complimentary Webinar

Original Air Date: September 24, 2025

The industry is crowded with technology solutions, each promising to solve your biggest challenges. With so many options and so few certainties, how do you choose the right tools without wasting time and money?

In this focused discussion, respected industry consultants Kay Underwood-Zach and Cheryl Baillis guide you through a smarter way to evaluate and manage technology partners. Their practical approach helps you not only choose the right tools but also maintain long-term value from them.

Walk away with actionable steps you can implement immediately including:

  • A clear framework for evaluating tech tools – from pilot to purchase.
  • How to break through analysis paralysis.
  • Key red flags to watch for in contracts, data ownership and auto-renewals.
  • Questions to ask vendors beyond the sales pitch.
  • Smart ways to assess vendor support before signing
  • How to evaluate security standards
  • Tips for spotting overpromised tools before they underdeliver

This discussion isn’t about picking software. It’s about making strategic decisions to strengthen your operations, protect your investment and support your team. Watch today.

Thank you to Qualia for sponsoring this complimentary webinar.

 

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I want to help make complimentary webinars possible in the future, by sharing my name, title, company and state with the sponsor(s). Thank you for aiding October Research in complying with evolving privacy laws.

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Featured Speakers Moderator

Cheryl Baillis

Executive Consultant/Strategic Advisor

A respected voice in the industry, Cheryl has built a career on driving innovation and operational excellence at companies like Zillow and First American Title Insurance Company. With more than 20 years of experience in real estate, title and settlement services, she has consistently leveraged technology to tackle complex challenges, optimize operations and processes along with reducing risk. Her solutions-driven approach has led to market share growth, operational efficiencies on both domestic and global scales, innovation, and strategic partnerships.

Kay Underwood-Zach

Owner
Title Insurance Consultants

Kay Underwood-Zach transforms title insurance operations by bridging the gap between traditional practices and modern innovation. With over 30 years of experience spanning every level of the business, she began her career in Colorado in 1992 before spending two decades with a national underwriter, ultimately serving as Colorado Escrow Operations Manager.

Since 2015, Kay has worked as an independent consultant, partnering with title agencies and law firms nationwide to revolutionize their operations. She specializes in creating seamless integrations between software solutions and established workflows, guiding organizations through complex mergers and acquisitions, and building sustainable operational frameworks that stand the test of time. Her expertise in SoftPro, Qualia, and other industry-leading platforms enables her to maximize technology investments while preserving institutional knowledge.

Kay's distinctive approach combines technical precision with exceptional change management skills. She has a rare talent for securing buy-in across all organizational levels while implementing strategic improvements that enhance both operational efficiency and employee satisfaction. Her comprehensive understanding of title insurance operations, coupled with her ability to identify hidden productivity barriers, makes her an invaluable partner in transforming traditional title agencies into modern, efficient organizations.

Chris Ruvo

Content Manager
Qualia

Chris Ruvo is a content marketing manager at Qualia—a role that has him creating thought leadership content that helps advance the title & escrow industry. He joined Qualia after a successful journalism career in which he produced feature articles, podcasts, webinars, and social media content covering everything from supply chain disruption and American manufacturing to capital murder trials, educational issues, science, political races, the arts and more. His work has won or been nominated for dozens of regional and national awards, including multiple Neal Awards—the “Pulitzer Prize” of B2B journalism. Those Neals include twice winning “Best Range of Work By A Single Author.” He loves telling stories that help people—and is always eager to tell the next one.


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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