Title Commitment

The Title Commitment contains vital information which may affect the willingness and ability of the parties to close escrow.  The information in the Title Commitment includes:

  • The ownership of the subject property
  • The manner in which the current owners hold title
  • Matter of record which specifically affect the subject property or its owners
  • A legal description of the property
  • An informational plat map
  • The type of title insurance offered by the title company
  • Exclusion and exceptions in the Title Insurance coverage
  • Recorded deeds of trust
  • Easements
  • Agreements
  • Covenants
  • Conditions and restrictions (C.C. & R.’s)
  • Taxes


Your real estate agent should review the Title Commitment as soon as it arrives, with particular attention to certain areas:

Verify the Ownership Vesting

The name(s) on the report should match the name(s) on the purchase contract.  Sometimes the name of an unexpected owner will appear and corrective documents may be required.

Verify the Property Address

The plat map and legal description should match the address.  An owner could own two properties adjacent to or across the street from each other, causing confusion in identifying the correct property.


Life of The Escrow