What Does a Title Company Do in Colorado?

Jerad Larkin
Oct 6
3 min read

Introduction: Clearing Up the Confusion

If you’re buying or selling a home in Colorado, you might wonder: “What does a title company actually do?”

For many homeowners and even some first-time real estate agents, the title company’s role can feel like a mystery. You see the line item for title insurance on the closing statement, but what happens behind the scenes?

What does a title company do in Colorado? Learn how Jerad Larkin and Chicago Title Colorado protect buyers, sellers, and agents across Denver and the Front Range.

In this post, we’ll explain what a title company does in Colorado, why it matters for buyers and sellers, and why Jerad Larkin and Chicago Title Colorado are trusted partners in Denver, Colorado Springs, and across the Front Range.

The Core Responsibilities of a Title Company

A title company has one central purpose: to ensure that property ownership transfers smoothly and securely. In Colorado, the responsibilities include:

Title Search
- Investigates the property’s history of ownership.
- Checks for liens, judgments, unpaid taxes, or other issues.
Issuing Title Insurance
- Protects both the buyer and the lender from financial loss if a claim arises against the property.
Escrow Services
- Safely holds deposits, down payments, and lender funds until closing.
Closing Coordination
- Prepares and records legal documents.
- Manages the signing process on closing day.
- Ensures money is distributed to the correct parties.
Recording Ownership
- Files deeds and mortgages with the county clerk, officially transferring ownership.

Why This Matters in Colorado Real Estate

Colorado’s real estate market - from fast-paced Denver neighborhoods to competitive Colorado Springs suburbs - requires accuracy and speed. A title company ensures:

No unpaid contractors can place liens after closing.
No heirs suddenly claim ownership rights.
All county records are verified before you get the keys.

Without a trusted title company, these issues could derail your transaction or create legal battles down the road.

Title Insurance: The Safety Net

One of the most important services provided is title insurance in Colorado. It protects against:

Clerical errors in county records.
Fraud or forged signatures in past documents.
Boundary disputes and survey errors.
Previously undisclosed liens or judgments.

Unlike other insurance policies, title insurance is a one-time fee paid at closing that protects you as long as you own your home.

Escrow Services in Denver & Colorado Springs

Another major role of a title company is managing escrow accounts. In simple terms, escrow means holding money until all conditions are met.

For example:

A buyer’s earnest money deposit is held until closing.
Lender funds are only released once all documents are signed.
Seller proceeds are transferred securely after ownership changes hands.

Escrow protects both sides of the deal and ensures no money changes hands until everything is verified.

How Title Companies Support Real Estate Agents

In Colorado, the best title companies go beyond the basics. For example, Chicago Title Colorado, led by Jerad Larkin, provides:

O&E Reports – Owner & Encumbrance reports to check property status before listing.
Property Books – Detailed resources for listing presentations.
Farming Tools & Data – Helping agents build their business in specific neighborhoods.
Education – Classes on AI, marketing, and lead generation tailored for Colorado real estate agents.

These extra services separate the best title companies from those that only handle paperwork.

Why Chicago Title Colorado Stands Out

Chicago Title Colorado has earned trust because they provide:

Local expertise in Denver, Colorado Springs, and across the Front Range.
National strength as part of one of the largest and most financially secure title companies in the U.S.
Hands-on support for both homeowners and agents.
A proven track record of smooth, stress-free closings.

With Jerad Larkin’s leadership, agents and clients get more than just insurance - they get a partner in the transaction.

Real-World Example

A Denver family nearly purchased a home with $12,000 in unpaid contractor bills. The title search uncovered the lien, and Chicago Title resolved the issue before closing.
An agent in Colorado Springs used Jerad’s property books to win a competitive listing presentation, giving them an edge over other agents.

Conclusion

So, what does a title company do in Colorado?

A title company does much more than issue insurance. It safeguards the entire transaction, protects homeowners and lenders, manages escrow, and ensures closings are smooth and stress-free. With Jerad Larkin and Chicago Title Colorado, you can count on local expertise, national strength, and personal service.