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Evolving Realtor Relationships 2026 webinar

Complimentary Webinar

Original Air Date: March 18, 2026

Title agents who thrive in 2026 will be those who are able to show their value in the real estate transaction. This latest edition of the Evolving Relationships webinar series explores how to strengthen Realtor partnerships in ways leading to more referrals and long-term growth. You’ll learn how to position yourself as a consistent, high-value partner throughout the transaction building strong Realtor relationships that are effective, compliant and sustainable over time.

Join title industry leader Mike Ridgway and RESPA compliance attorney Loretta Salzano as they discuss:

  • The importance and value of proactive communication
  • How to support the real estate agent’s workflow to help them win repeat clients
  • Relationship-building approaches that drive business while maintaining compliance
  • And much more...

Prepare for the summer selling season by positioning yourself as a valued partner Realtors return to. Watch today!

Thank you to Qualia for sponsoring this complimentary webinar series, created to help title professionals grow stronger referral relationships.

Additional Resources from October Research:

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MegPrime founder sees new payment token as ‘Amazon for real estate’

ATTOM acquires ResiShares to strengthen data, analytics platform

 

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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). Email addresses are never shared. Thank you for aiding October Research in complying with evolving privacy laws.

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Featured Speakers Moderator

Loretta Salzano

Founding Partner
Franzén and Salzano

Loretta Salzano founded Franzén and Salzano in 1997 to provide practical legal solutions for mortgage and consumer lenders. The firm has grown to serve banks, real estate brokers, title companies, law firms, technology companies and others in the real estate and lending industries – taking pride in its unique ability to navigate a complex tapestry of laws to help clients accomplish their goals. The firm’s attorneys counsel clients on how to increase their business while remaining within the confines of the laws of all 50 states plus federal law, including TILA, RESPA, ECOA, HMDA, FCRA and GLB.

Loretta spends much of her time assessing risks related to marketing, pricing and compensation. She also drafts and negotiates a variety of transactional contracts, such as warehouse, loan sale and service agreements; troubleshoots to mitigate damages; and advocates with regulators before, during and in response to examinations.

Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine, is a Fellow of the American College of Consumer Financial Services Attorneys and serves as Legal Counsel to the Mortgage Bankers Association of Georgia. She is active in many professional associations and loves talking the talk for the industry. Loretta is a double Wolverine earning both her B.A. and J.D. from the University of Michigan.

Michael Ridgway

President and CEO
Community Title Network
Managing Member
Ridgway Law Group

Mike is recognized in the region as one of the innovative industry leaders in improving the entire customer experience in the settlement process. Additionally, he brings over 38 years of experience as a lawyer and proactive problem solver to every aspect of the settlement process. He is a deeply committed to the highest level of customer service to all stakeholders in the settlement transaction and has built his professional team around this foundation. Mike has lived his entire life in the Washington Region and is passionate in serving consumers, real estate professionals, and the general community. Mike is a recognized philanthropist in the Washington Region, volunteering his time, and often taking leadership roles, in many non-profit organizations and efforts that serve youth- particularly underprivileged youth. Mike is a graduate of Georgetown Prep, Dickinson College, and has a Juris Doctor from The Catholic University School of Law.

Chris Ruvo

Content Marketing 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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RESPA News Monthly
June 2026

Cover Story:

RESPert Holly Bunting talks RESPA litigation risk


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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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