Tenant isolation
Row-level security in Postgres
Core customer tables use agency_id scoping and Postgres RLS; coverage is reviewed during releases.
Built for lenders and realtors closing in Alabama
Stop estimating the insurance line. Quote it before the LE goes out.
Every URLA has a blank for homeowner’s insurance — the one line on the initial disclosure you can’t compute. Send us the buyer the day you pull credit and we’ll keep the request and next step visible while the details are verified, so your team can keep the insurance step moving toward closing.
Real premium before the LE goes out30-second submissionsStatus updates by text
Submission #4821
QuotedHome buyer in Birmingham
Single-family, new purchase
- Best Quote
- $1,847/ yr
- A-rated carrier
- Closing
- May 18
- 12 days out
Quote ready
Sent to lender
Bound
We got you
Never lose a deal because insurance rates are too high. We can help.
Stop guessing the insurance line. Know it before the LE goes out.
When the standard market won’t cooperate, we shop the corners other agencies skip. We place site-built, manufactured, condo, and landlord homes with the coverage details your closing team needs.
We write
- Manufactured Homes
- Home
The blank line that breaks your initial disclosure
P&I is calculated. Taxes you can pull. MI has a formula. Homeowner’s insurance is the one number you can’t compute.
Federal disclosure rules still require the initial disclosure within three business days of application. So most LOs enter a placeholder — $1,200, $1,800, whatever last week’s file used — and redisclose when the real quote comes back different.
- Real quote comes in higher → escrow short → redisclosure and a new 3-day waiting period.
- Real quote comes in lower → APR shifts → cure letter or redisclosure anyway.
- Nobody reshops → the borrower overpays for years and blames the LO at renewal.
Today, without us
Placeholder. Then redisclosed.
LO types a placeholder so the LE can ship in 3 business days. Real quote comes back different — and the file resets.
L3. Mortgage Loan Information
Proposed Monthly Payment for Property
First Mortgage (P & I)$1,485.43
Subordinate Lien(s) (P & I)$0.00
Homeowner’s Insurance$ ? ? ?
Supplemental Property Insurance$0.00
Property Taxes$61.25
Mortgage Insurance$75.84
Association / Project Dues$0.00
TOTAL$1,747.52*
What it costs you: redisclosure + new 3-day waiting period, APR shift, cure letters, an angry realtor — or a borrower who overpays for years and blames you at renewal.
With mynewhomeinsurance.com
Quoted. Bind-ready. Locked.
Send the buyer the day you pull credit. We keep the request and status visible while the details are verified.
L3. Mortgage Loan Information
Proposed Monthly Payment for Property
First Mortgage (P & I)$1,485.43
Subordinate Lien(s) (P & I)$0.00
Homeowner’s Insurance$153.92
Supplemental Property Insurance$0.00
Property Taxes$61.25
Mortgage Insurance$75.84
Association / Project Dues$0.00
TOTAL$1,776.44
What it buys you: the number on Line L3 is the number at the closing table. No redisclosure, no APR drama, no Friday-before-closing phone tag with the agent.
Same form. One has a guess. One has a quote.
Send your first buyer
Short quote-request form. We verify the details and follow up with the next quote step.
Try it now — preliminary quote
Start a quote request with the facts your agent can verify.
Submit your buyer’s details and we’ll save the request for review. Once the material borrower and property facts are confirmed, your agent can shop the carrier panel. We’ll also email you a 6-digit code so you can sign into your Quote Tracker portal and watch progress live.
We shop your buyers across top-rated carriers
TravelersProgressiveSafecoNationwideForemostStillwater
Why partners send us their buyers
The fewest steps between “under contract” and “clear to close”.
We built the agency around the way modern lenders and realtors actually work — fast hand-offs, clean status updates, no copy-paste.
One submission, every carrier
Send us a buyer once and we shop the carriers that actually write the property — no chasing, no double entry.
Real-time status, no phone tag
See exactly where each quote stands — quoted, sent, bound — without calling the office or refreshing your inbox.
Built for closing on time
We work backward from your closing date and keep the request status visible so your team can coordinate the insurance step.
How it works
From referral to bound — in four steps.
We engineered the workflow around closings. Every step is built to remove friction and surface what you actually need to know.
- 01Send the buyer
Email, text, or paste the contract — whichever is fastest. We just need the property address and the buyers’ names.
- 02We quote and follow up
We shop the carriers that actually write the property and stay on top of underwriting until we have a bind-ready quote.
- 03Status to your inbox
You see the same status board we do. No phone tag — quote ready, sent to lender, bound, all timestamped.
- 04Bind and close on time
We bind days before closing, send the binder + dec page to the lender, and confirm everything for the closing table.
New — Refinance Win-Back Alerts
Your client refinanced somewhere else?
We’ll tell you as soon as the review is complete.
When a borrower you originally sent to TCDS Insurance later requests a mortgagee-clause update because they refinanced through a different lender, you get a heads-up notification — a chance to reach out and win the refi back before it funds.
- Notification fires the moment we receive the new mortgagee request, not weeks later when the loan funds.
- Hooks into the mortgagee-update workflow our agency already runs — no extra paperwork from your borrower.
- Compliant by design — we share only what RESPA permits, and every alert is logged in our append-only audit ledger.
- Free for active partners. Opt out any time from your portal.
Refi alert
2h agoPast borrower in Birmingham
Originally referred Mar 2025 · Loan #••••4821
- Mortgagee change
- New lender on file
- Request received today
- Heads-up window
- Before the refi funds
- Reach out while you still can
A buyer you referred just requested a mortgagee change to a different lender. We’re letting you know so you can follow up directly with the borrower if you want to compete for the refi.
Built for trust
Your borrowers’ data, locked down four different ways
We handle nonpublic personal information from your buyers every day. Here’s exactly how we keep it isolated, audited, encrypted, and minimized — not as marketing copy, but as shipped controls you can verify.
Audit ledger
Append-only Merkle chain
Selected critical events are written to an append-only audit_events table with a per-tenant hash chain, with verification handled as part of operations.
Encryption + access
TLS in transit, MFA + SSO
Traffic is served over TLS; Supabase Auth supports optional TOTP MFA, and enterprise tenants can require Microsoft 365 SSO. Service-role keys are scoped and rotated through the operational credential process.
Data minimization
PII redacted at every AI boundary
Every AI call is gated by a tenant-level spend budget, and PII (SSNs, DOBs, account numbers) is redacted before it ever crosses a provider boundary. Direct provider-SDK imports are blocked outside the audited wrapper.
Current compliance and security assessment materials are available on request from the security contact.
For Lenders
Quote your buyers without leaving your loan file.
Submit a buyer in 30 seconds. We’ll send the binder direct to your loan-ops team and keep you in the loop on every status change.
Learn more
For Realtors
One agent for every buyer in your pipeline.
Skip the “who do you use for insurance” question. We’ll handle the buyer, keep you posted, and make sure closing isn’t the day insurance becomes a problem.
Learn more
RESPA §8 · Ala. DOI · 12 CFR Part 1024
How we stay clean on every referral
We never pay your lender or realtor a fee, kickback, or split for sending a quote — and we say so out loud, in plain English, on every borrower-facing page.
- Provided as a courtesy
This quote is provided as a courtesy through your lender. It is not a solicitation by your lender and the lender is not acting as an insurance producer.
- Not a condition of your loan
You are not required to purchase insurance from this agency as a condition of approval, settlement, or closing on your loan.
- Free to shop
YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES. You may purchase homeowners insurance from any licensed provider you choose.
- Your lender receives no fee
Your lender receives no fee, commission, kickback, or other compensation from this agency or any insurance carrier in exchange for this quote or any policy you may bind.
- Estimate only — not a binder
This is a preliminary estimate based on the information provided and is subject to underwriting review. Coverage is not in force until a policy is issued by the carrier and the initial premium is paid.
- Won't affect your loan approval
Your choice of insurance provider will not affect the approval, terms, or conditions of your loan.
Quote provided by TCDS Insurance Agency, a licensed Alabama insurance producer. Disclosures provided to comply with the Real Estate Settlement Procedures Act (12 U.S.C. § 2607), 12 CFR §§ 1024.14–1024.15, and Alabama Department of Insurance producer-licensing rules (Ala. Code § 27-7-35.1).
Ready to close more loans on time?
Join the lenders and realtors already sending us their buyers. Sign up in two minutes — we’ll review your request and follow up.