Title Commitment in Colorado: What Homebuyers and Agents Need to Know
- Jerad Larkin
- 3 days ago
- 3 min read
Introduction: A Key Document in Every Closing
If you’re buying or selling a home in Colorado, you’ll receive an important document called the title commitment. Many people ask: “What is a title commitment, and why does it matter in Colorado real estate?”
In short, the title commitment is a promise from the title company that they are prepared to issue a title insurance policy once certain requirements are met. In this blog, we’ll explain what a title commitment includes, why it’s important, and why Jerad Larkin and Chicago Title Colorado are trusted to provide them across Denver, Colorado Springs, and the Front Range.
What is a Title Commitment?
A title commitment is a document issued by a title company before closing. It outlines:
Who currently owns the property.
What requirements must be met before issuing title insurance.
Exceptions to coverage, such as easements or covenants.
It’s essentially the roadmap to ensuring clean title before the transaction closes.
Key Sections of a Title Commitment in Colorado
Schedule A - Basic information about the transaction, including property address, proposed insured parties, and type of policy.
Schedule B-1 (Requirements) - Lists conditions that must be cleared before closing, such as paying off liens or providing missing documents.
Schedule B-2 (Exceptions) - Lists items that will not be covered by title insurance, such as easements, HOA restrictions, or mineral rights.
Why Title Commitments Matter in Colorado
Colorado’s real estate market includes a mix of urban condos, suburban homes, and rural properties - each with unique risks. Title commitments ensure:
Buyers know what they’re getting into before closing.
Sellers are aware of what issues need to be resolved.
Lenders have confidence their lien will be valid.
Common Issues Found in Colorado Title Commitments
Mechanic’s Liens from unpaid contractors.
Unreleased Deeds of Trust from prior mortgages.
Boundary Discrepancies in suburban or rural properties.
HOA Restrictions that affect property use.
Identifying these early prevents delays at closing.
How Much Does a Title Commitment Cost?
The title commitment itself is usually provided as part of the title insurance package, meaning there’s no separate fee. Costs are included in the overall title insurance premium, which is a one-time fee paid at closing.
Why Chicago Title Colorado is a Trusted Partner
Jerad Larkin and Chicago Title Colorado provide clear, accurate title commitments with expert guidance. They offer:
Thorough review of property history to uncover potential issues.
Guidance for agents and buyers in understanding requirements and exceptions.
Local expertise across Denver, Colorado Springs, and the Front Range.
Backed by a national underwriter for financial stability.
Real-Life Examples
A Denver buyer avoided a $25,000 lien after Chicago Title flagged it in the title commitment.
A Colorado Springs seller resolved an old mortgage release before closing, preventing delays.
An agent in Fort Collins used the title commitment to explain easement restrictions to clients, building trust.
Conclusion
So, what is a title commitment in Colorado?
It’s the document that lays out what must be done to deliver clear, insurable title. For buyers, sellers, and agents, it provides transparency and security before closing. With Jerad Larkin and Chicago Title Colorado, you’ll have confidence that every detail is covered.
Questions? Contact:
Questions? Contact Jerad Larkin at Chicago Title Colorado.
📞 303.630.9430
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