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RealtyTitleAgent ONE API
Integrate seller net sheets, buyer estimates & county rate tables
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INTRODUCTION
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Real estate transactions depend on accurate, jurisdiction-specific
closing-cost data — and RealtyTitleAgent ONE delivers exactly that.
Built on PalmAgent's ONE platform, RealtyTitleAgent ONE is a
title-company-branded application that computes city- and
county-specific seller net sheets, buyer estimates, and ancillary
financial calculations behind a synchronized, multi-device account.
For brokerages, lenders, CRM platforms, and title companies,
integrating RealtyTitleAgent ONE means accessing the live server-side
records and underlying county rate schedules that power every net
sheet an agent generates — without re-keying figures or rebuilding
complex jurisdiction math from scratch.
This article covers the API features available through authorized
integration, the scenarios where this data delivers real value, and
the subscription options for getting started.
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SUPPORTED API FEATURES
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RealtyTitleAgent ONE stores and syncs a rich set of account data
through PalmAgent's backend. Authorized integration surfaces the
following core feature domains:
• Seller Net Sheet Access
Retrieve saved seller net sheets per transaction: sale price,
loan payoffs, commission, prorations, seller-paid costs, and
estimated net to seller — scoped per agent account and county.
• Buyer Estimate Retrieval
Pull saved buyer estimates including purchase price, loan
amount, down payment, projected closing costs, prepaids,
estimated cash to close, and estimated monthly payment.
• County & City Rate Schedule Export
Access the underlying jurisdiction rate tables the app applies:
title-premium tiers, recording fees, and transfer or
documentary-stamp tax brackets — per county and city, not just
rolled-up totals.
• Ancillary Calculator Data
Integrate results from built-in tools including Rent vs. Buy,
Monthly Affordability, the HandiCalc mortgage-payment tool,
and Multiple Offer scenario analysis.
• Client & Lead Association Records
Sync client contact information linked to saved estimates and
document-share history, enabling lead deduplication and
follow-up timing in downstream CRM systems.
• Agent Account & Branding Profile Sync
Resolve the agent's account identity, the title-company
branding applied to output, and which partner build and county
provisioning the account is entitled to.
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USE CASES & APPLICATIONS
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RealtyTitleAgent ONE integration serves a range of real estate
technology and financial services workflows. Below are the five
primary application scenarios.
[1] Brokerage Transaction Management
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• Automatically pipe every seller net sheet agents save into
a transaction-management system
• Eliminate manual re-keying of deal economics at the point
of listing or contract
• Keep deal financial summaries current across team dashboards
as agents update estimates in the field
• Align commission, proration, and closing-cost data with
internal deal-tracking records without duplication
[2] Title Company Rate Schedule Publishing
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• Mirror county-specific rate schedules from the ONE platform
into a title company's own public quote API or website
• Keep web-facing closing-cost calculators in sync with the
rate tables agents use in the app
• Ensure rate-table updates — when a county revises recording
fees or transfer-tax brackets — propagate automatically
• Maintain consistency across branded ONE editions including
FidelityAgent ONE, TGAgent ONE, and other PalmAgent builds
[3] Lender Pre-Approval Scoring
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• Ingest buyer estimates — cash to close, estimated payment —
as early pre-qualification signals
• Score incoming buyer scenarios before a formal application
is submitted, based on agent-generated affordability data
• Surface estimated monthly payment and closing-cost projections
alongside loan origination workflows
• Reduce data entry friction for loan officers working with
agents already using RealtyTitleAgent ONE
[4] Real Estate CRM Lead Management
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• Import client-linked estimates and document-share history
directly into CRM contact records
• Deduplicate leads across multiple agent-generated estimates
for the same prospective buyer or seller
• Trigger automated follow-up sequences based on estimate
creation dates and estimate revision activity
• Enrich lead profiles with deal-specific financial context
without requiring separate data entry by agents
[5] Closing-Cost API Normalization & Aggregation
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• Unify PalmAgent ONE output with other title-quote platforms
such as TitleCapture, Qualia Connect, NetSheetCalc, and
Snapdocs into a single normalized closing-cost schema
• Feed a unified quote engine that spans multiple title brands
and jurisdictions from one integration layer
• Enable comparison tools that surface closing-cost estimates
from Doma, Federal Title Close It, EstatePass, Rattikin Title,
HomeLight, and Clever Real Estate alongside PalmAgent data
• Build jurisdiction-aware closing-cost APIs that stay current
as county and city rate tables are updated by title partners
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BENEFITS & ADVANTAGES
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Integrating the RealtyTitleAgent ONE API through OpenBanking Studio
delivers the following proven advantages:
✓ Jurisdiction-Accurate Math
Rate schedules are city- and county-specific and maintained
per partner build. The integration pulls the schedule itself
— tiers, brackets, and fees — so downstream math matches the
app exactly and stays correct after county fee revisions.
✓ Authenticated, Server-Side Data Access
This is not an offline calculator or a PDF parser. Integration
reaches the synced server-side account state the agent sees
across all devices and the web client, delivering live records
rather than static snapshots.
✓ Multi-Device Account Coverage
One PalmAgent ONE account spans up to five devices and a web
client. The integration design reflects that same server state
regardless of which device the agent last used.
✓ No Re-Keying or Manual Export Required
Saved net sheets, buyer estimates, and rate schedules flow
directly into target systems through authorized protocol
access — eliminating the manual export-and-import workflow
agents would otherwise perform.
✓ TRID & Privacy Compliant Integration Path
The engagement covers TILA-RESPA Integrated Disclosure (TRID)
guidance, state privacy law (including California CCPA/CPRA),
and data minimization practices for client personal fields,
with access logging and NDA coverage where the title-brand
relationship requires it.
✓ Cross-Platform Schema Normalization
Delivered output maps onto a vendor-neutral closing-cost schema,
so RealtyTitleAgent ONE data aligns cleanly with other title
platforms in a unified integration layer.
✓ Maintenance Included — No Format-Chase Burden
When a partner front end or a rate-table version changes,
figures can drift. Ongoing maintenance includes rechecking
against the live app and patching the integration, so your
team does not carry the burden of tracking PalmAgent updates.
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SUBSCRIPTION PLANS
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OpenBanking Studio offers two access models for the
RealtyTitleAgent ONE integration:
One-Time Delivery
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From $300, paid after delivery once the integration works.
Includes runnable source code (Python and Node.js), OpenAPI
documentation, protocol and auth-flow report, normalized schema,
and TRID/privacy guidance. Suitable for teams that want to own
and host the integration layer internally.
Pay-Per-Call Endpoints
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Skip hosting entirely and call maintained endpoints, paying per
call with nothing upfront. Suitable for products that want
ongoing access to live net sheet and rate schedule data without
managing the integration infrastructure. Rate-table maintenance
and format updates are included.
Both options cover: sign-in through structured fetch of saved net
sheets, buyer estimates, and county rate schedules — typically
delivered within one to two weeks for this application.
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CONCLUSION
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RealtyTitleAgent ONE holds a valuable, under-utilized dataset for
real estate technology: jurisdiction-specific closing-cost rate
schedules, agent-saved seller net sheets, buyer estimates, and
client financial records — all maintained server-side and synced
in real time.
For brokerages automating deal management, lenders scoring early
pre-approval signals, title companies publishing consistent rate
data, or CRM platforms enriching lead records, authorized
integration with RealtyTitleAgent ONE removes the friction between
what agents calculate and what the rest of the stack needs to know.
Whether you need a one-time integration build or maintained
per-call access to live data, the engagement is scoped to your
use case, compliant with TRID and applicable state privacy law,
and delivered with working, documented source.
To start a build or discuss your data requirements, visit:
https://openbankingstudio.com/realtytitleagent-one.html