Qualia expands into payments with earnest money, cash to close

Qualia has launched two new products, Qualia Earnest Money Deposit and Qualia Cash to Close, that are built directly into Qualia Core. The additions replace check or wire payments with a digital payment option at two points in a transaction — the homebuyer’s first payment after signing the contract and their final payment before closing. Real estate fraud losses reported to the FBI rose from about $145 million in 2023 to more than $275 million in 2025. In Qualia’s recent Wire Fraud Trends in Title & Escrow 2026 report, cash to close had the largest year-over-year increase in perceived fraud risk of any part of the closing process. With the new products, buyers receive a payment link from their title and escrow company, connect their bank account and pay digitally. Buyers receive confirmation once payment is submitted. When a buyer’s funds arrive, the payment posts to the order in the same system where the team reconciles the file and screens outgoing wires. “Buyers are looking to their title & escrow company for two things: a frictionless payment experience and certainty that their money arrives where it should,” Jackson Reynolds, chief strategy officer at Qualia, said in a...