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Virginia settlement agent bonds (firm).
$2,000, one time.
A Virginia law firm acting as a real estate settlement agent must maintain a $200,000 surety bond under Code of Virginia § 55.1-1004, on a form approved by the Virginia State Bar. Ours is $2,000, one time, identical for every firm.
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Three steps to registered.
Your settlement-agent registration is waiting on this bond. Here is the entire process:
Apply once, online
Firm details, owner information, effective date. The only extra step is a one-time consent to a quick soft credit check that never affects your score.
Approved
Most are approved as soon as you apply. The credit check is a soft pull that never affects your score. If it needs a second look, one to two business days at most.
E-sign & register with the State Bar
Pay online and receive the executed $200,000 bond on the State Bar–approved form, ready to file with your settlement-agent registration. Wet-ink originals mailed whenever the Bar insists.
What it is and who needs it.
What the bond actually guarantees
Virginia’s real estate settlement agents law (originally the Consumer Real Estate Settlement Protection Act, CRESPA) lets attorneys, title companies, real estate brokers, and financial institutions handle closings — provided they register and post security. For a law firm, Code of Virginia § 55.1-1004 requires a surety bond of not less than $200,000, on a form approved by the Virginia State Bar.
The bond is a consumer-protection guarantee: it stands behind the firm’s handling of escrow, closing, and settlement funds in real estate transactions. If the firm mishandles a buyer’s or lender’s money, the harmed party can recover against the bond.
It is not insurance for you — if the surety pays a claim, the firm repays the surety. Settlement agents who keep clean escrow records treat the $200,000 bond as a registration formality. (Attorneys also maintain separate fidelity / employee-dishonesty coverage for staff under the same law.)
You need this bond if you are
One application, issued instantly.
These are the actual underwriting fields, including a one-time consent to a quick soft credit check that never affects your score. Submit once and your $200,000 bond is issued when you pay.
Start the application →Common questions.
Other Virginia bonds.
The State Bar is waiting on one document.
$2,000, one time, short application, $200,000 bond issued when you pay. Free until issued.