Colorado Title Insurance Process: Step-by-Step Guide to a Smooth Closing

Jerad Larkin
Dec 22
3 min read

Introduction: What Happens Behind the Scenes

When you buy or sell a property in Colorado, the title insurance process works quietly in the background to ensure your transaction is safe and legally sound.

Most buyers only see the final closing day, but there’s a lot that happens before the keys change hands. In this guide, we’ll walk through the Colorado title insurance process step by step - and explain how Jerad Larkin and Chicago Title Colorado make it simple and stress-free.

Learn the Colorado title insurance process step by step. Jerad Larkin and Chicago Title Colorado explain how title, escrow, and closing work together.

Step 1: Open Title Order

Once your purchase contract is signed, your agent or lender opens a title order with the title company. This starts the title insurance process and triggers a detailed examination of the property’s ownership history.

Step 2: Title Search

The title company researches the property through public records to confirm ownership and identify any potential issues.

The search reviews:

Deeds and previous transfers.
Liens or judgments.
Easements and restrictions.
Unpaid property taxes or HOA dues.

Step 3: Title Commitment

After the search, the company issues a Title Commitment - a preliminary report outlining:

What the title insurance will cover.
Any defects or exceptions that must be cleared before closing.
The conditions required to issue the policy.

The commitment serves as a roadmap to closing.

Step 4: Clearing Title Issues

If the title search finds problems, the title company coordinates with all parties to resolve them.

This could include:

Paying off liens or judgments.
Correcting recording errors.
Obtaining missing signatures or documents.

The goal is to deliver clear, marketable title to the buyer.

Step 5: Escrow Setup and Coordination

During this phase, the title company manages all financial details, including:

Collecting earnest money and loan funds.
Paying off existing loans or liens.
Disbursing funds to the seller, agents, and other parties.

Chicago Title Colorado uses secure escrow accounts and detailed closing statements to ensure accuracy.

Step 6: The Closing Appointment

At closing, all required documents are signed, and funds are officially exchanged.

This is when ownership legally transfers, and the buyer becomes the new owner. For many Colorado buyers, closings can now happen in-person or remotely.

Step 7: Recording and Policy Issuance

After closing, the title company records the deed and mortgage with the county clerk’s office. Then, the Owner’s Policy and Lender’s Policy are finalized and issued - officially protecting both the homeowner and lender.

Step 8: Post-Closing Confirmation

The buyer receives copies of all signed and recorded documents, along with the title insurance policy for safekeeping.

From this point forward, your ownership is protected against covered risks for as long as you own the property.

Why Choose Chicago Title Colorado

Jerad Larkin and Chicago Title Colorado make the title insurance process easy by offering:

Fast turnaround times for title commitments.
Clear communication with agents and lenders.
Accurate, secure escrow handling.
Local expertise across Colorado’s counties and municipalities.
National backing through Fidelity National Title Group.

Real-Life Examples

A Denver buyer’s closing stayed on schedule after Chicago Title cleared a lien within 24 hours.
A Colorado Springs seller appreciated same-day recording and quick disbursement.
A Boulder investor praised Chicago Title’s transparency during the entire process.

Conclusion

So, what is the Colorado title insurance process?

It’s the behind-the-scenes system that ensures every real estate transaction closes safely, securely, and correctly. With Jerad Larkin and Chicago Title Colorado, you’ll always know your title is clear and your ownership protected.