Colorado Title and Escrow Services: What Buyers and Sellers Should Know

Jerad Larkin
32 minutes ago
2 min read

Introduction: The Foundation of Every Real Estate Closing

When buying or selling a home in Colorado, two key elements protect the transaction: title and escrow services. Many people ask: “What’s the difference between title and escrow, and why are they both necessary?”

Learn what Colorado title and escrow services include. Jerad Larkin and Chicago Title Colorado explain how title and escrow work together to protect transactions.

In this blog, we’ll explain what Colorado title and escrow services include, how they work together, and why Jerad Larkin and Chicago Title Colorado are trusted statewide to provide both.

What Are Title Services?

Title services focus on protecting ownership rights and include:

Title Search – Reviewing ownership history for liens, claims, or disputes.
Title Commitment – Outlining requirements before closing.
Title Insurance – Protecting buyers and lenders from past ownership issues.

What Are Escrow Services?

Escrow services ensure money and documents are handled securely. They include:

Holding earnest money, down payment, and lender funds.
Managing loan and lender requirements.
Disbursing money to the seller, lender, and service providers.
Recording the deed with the county after closing.

How Title and Escrow Work Together

Think of title as clearing ownership and escrow as handling the money. Both are essential to closing:

Title ensures the property can legally be transferred.
Escrow ensures the transfer happens fairly and securely.

Why Title and Escrow Services Matter in Colorado

Colorado’s real estate market includes unique risks that make these services critical:

New Construction – Potential mechanic’s liens.
Older Homes – Recording errors or undisclosed heirs.
Competitive Market – Escrow keeps funds secure until requirements are met.

Cost of Title and Escrow in Colorado

Title Insurance (Owner’s Policy): $1,000–$2,000 depending on purchase price.
Lender’s Policy: Several hundred dollars.
Escrow Fees: A few hundred dollars, often split between buyer and seller.

Title insurance costs are regulated by the state, while escrow fees may vary by provider.

Why Chicago Title Colorado is Trusted for Both

Jerad Larkin and Chicago Title Colorado provide seamless title and escrow services, including:

Comprehensive title searches and clear commitments.
Secure escrow handling of funds and documents.
Agent support with farming data, property books, and O&E reports.
Educational events to help agents grow their business.
Local expertise across Denver, Colorado Springs, and the Front Range.
National financial backing for long-term security.

Real-Life Examples

A Denver buyer avoided a $25,000 lien thanks to Chicago Title’s title services.
A Colorado Springs seller appreciated fast escrow disbursement after closing.
A Fort Collins agent used Chicago Title’s combined services to handle a complex multi-party deal.

Conclusion

So, what are Colorado title and escrow services?

They are the combined protections that ensure ownership transfers are clear, secure, and fair. With Jerad Larkin and Chicago Title Colorado, buyers, sellers, and agents gain confidence knowing both title and escrow are handled by trusted professionals.