{"id":151732,"date":"2024-02-01T23:25:09","date_gmt":"2024-02-02T04:25:09","guid":{"rendered":"https:\/\/www.houzeo.com\/blog\/?p=151732"},"modified":"2026-04-28T03:42:03","modified_gmt":"2026-04-28T07:42:03","slug":"title-commitment","status":"publish","type":"post","link":"https:\/\/www.houzeo.com\/blog\/title-commitment\/","title":{"rendered":"What is a Title Commitment?"},"content":{"rendered":"\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"highlight\">Buying a house is a big investment. It is essential to opt for title insurance to protect this investment from title claims that may take away your family&#8217;s safe haven. Before title insurance is issued, your title agency will issue a title commitment. <\/p>\n\n\n\n<p>\ud83d\udc49 Download the&nbsp;<a   href=\"https:\/\/apps.apple.com\/app\/id1576836461\" target=\"_blank\" rel=\"noreferrer noopener\">Houzeo mobile app<\/a>&nbsp;and start your home search today.<\/p>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\" id=\"title\"><strong>What is a Title Commitment?<\/strong><\/h2>\n\n\n\n<p>The title commitment is a letter issued that promises or commits the issuance of a title insurance policy after closing. It contains the terms, conditions, and exclusions of the title insurance policy. In addition to this, the title commitment also lists requirements that have to be addressed prior to closing so that the title policy can be issued.  <\/p>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\" id=\"given\"><strong>When is Title Commitment Given?<\/strong><\/h2>\n\n\n\n<p>Title commitments are issued before the closing of a real estate transaction. In order to get the Title Commitment, the buyer and seller need to satisfy the items mentioned in the schedule.<\/p>\n\n\n\n<p>The process of tile commitment begins immediately after the order is opened.<\/p>\n\n\n\n<p>The process includes collecting and reviewing recorded matters related to the parties involved.<\/p>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\" id=\"parts\"><strong>Parts of Title Commitment  <\/strong><\/h2>\n\n\n\n<p>A title commitment has three parts:<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>Schedule A<\/strong><\/h3>\n\n\n\n<p>This is the first part of the document. It contains basic details like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Name of the seller\/ the person who currently owns the title,<\/li>\n\n\n\n<li>Name of the buyer<\/li>\n\n\n\n<li>Description of the property<\/li>\n\n\n\n<li>Agreed sales price<\/li>\n\n\n\n<li>Name of the lender   <\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>Schedule B-1<\/strong><\/h3>\n\n\n\n<p>This part of the title commitment lists out and reviews necessary requirements such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Power of Attorney<\/strong>: If any one of the parties is using a <a   href=\"https:\/\/www.houzeo.com\/blog\/what-does-poa-mean-in-real-estate\/\" target=\"_blank\" rel=\"noreferrer noopener\">power of attorney for property<\/a>, then it is mandatory to get a copy of the same. They need to get the copy before the closing of the review.<\/li>\n\n\n\n<li><strong>Business Entity:<\/strong> If either of the party, i.e., buyer or seller is a business entity, the signing authority may be asked to verify themselves.<\/li>\n\n\n\n<li><strong>Deeds of Trust:<\/strong> In case of multiple Deed of Trust, Buyer needs to immediately notify the closer, so that the Deed of Trust from a previous lender or the letter of Indemnity can be released.<\/li>\n\n\n\n<li><strong>Tax Liens:<\/strong> If Federal tax liens or judgments affects your seller or buyer, do contact the appropriate party to obtain payoff information. if the same showed up due to a common name, either of the party may be asked to supply additional documents to verify their identity.<\/li>\n\n\n\n<li><strong>Death Certificate<\/strong>: In case of the death of one of the parties, a death certificate needs to be issued in lieu of the other party signing the <a   href=\"https:\/\/www.houzeo.com\/blog\/warranty-deed\/\" target=\"_blank\" rel=\"noreferrer noopener\">warranty deed<\/a>.<\/li>\n\n\n\n<li><strong>Owner&#8217;s policy on vacant land:<\/strong> This policy requires an ALTA Land survey, which is typically paid for by the seller<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>Schedule B-2<\/strong><\/h3>\n\n\n\n<p>This section specifically talks about the exception to the title, which means items that are not insured by the title company, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taxes and Assessments which are not yet due.<\/li>\n\n\n\n<li>CC&amp;Rs (Covenants, conditions, and restrictions)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\"><strong>What to look for?<\/strong><\/h2>\n\n\n\n<p>You should look for the following things while reading the Title commitment report:<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>Property Rights<\/strong><\/h3>\n\n\n\n<p>To understand the adequate rights of the property, you have to look for the seller&#8217;s nature of ownership as it will help you to know who is the real owner.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\" id=\"Exceptions\"><strong>Exceptions &#8211; Covenants, Conditions, and Restrictions<\/strong><\/h3>\n\n\n\n<p>CC&amp;Rs are enforced by homeowners&#8217; associations. These are a set of rules, which defines the use of a certain piece of property.<\/p>\n\n\n\n<p>for example, CC&amp;Rs can regulate the type of postbox allowed or whether the seller can turn the property into a business like a hotel, etc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading margin-top-15\"><strong>Third-Party Interests<\/strong><\/h3>\n\n\n\n<p>Third-party interests are quite common and may include the easement given by the owner, which may limit your use of the property.<\/p>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\" id=\"important\"><strong>Why is a Title Commitment important<\/strong>?<\/h2>\n\n\n\n<p>A title commitment is important because of the following reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It contains valuable details about your property, such as legal description or any easements.<\/li>\n\n\n\n<li>It also lists what is covered and not covered in the title insurance policy.<\/li>\n\n\n\n<li>The title report disclose all the necessary information about the property, which helps the seller to gain the confidence of the prospective buyers.<\/li>\n\n\n\n<li> The report reveals the seller&#8217;s existing liability on their existing property.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\" id=\"liens\"><strong>How to clear outstanding liens?<\/strong><\/h2>\n\n\n\n<p>There are numerous ways through which you can remove your outstanding liens:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pay off:<\/strong> The easiest and best path is to paying off the lien to the lien holder. After the payment, don&#8217;t forget to cross check, whether the lien has been removed or not.<\/li>\n\n\n\n<li><strong>Negotiation:<\/strong> In case, you are unable to pay the full amount in one go, you can always negotiate with the lien holder for partial payments.<\/li>\n\n\n\n<li><strong>Dispute:<\/strong> You can even go to court and clear the lien, if you feel the lien is invalid.<\/li>\n\n\n\n<li><strong>Bankruptcy:<\/strong> You can even file for bankruptcy but this option is only available if the lien is judicial or lien which is imposed for limited period of time.<\/li>\n\n\n\n<li><strong>Status of limitation:<\/strong> Every state has their own law, which defines the lien validity. You can wait for the status of lien limitation to expire so that you can clear your lien.<\/li>\n<\/ul>\n\n\n\n<p>Title Commitment is not an ordinary piece of paper, it is a document that contains all the important information about the property, that could affect the deal or transaction. Hence, it is advisable to read the  document carefully.<\/p>\n\n\n\n<h2 class=\"wp-block-heading margin-top-28\"><strong>Find Your New Home With Houzeo<\/strong><\/h2>\n\n\n\n<p>With thousands of property listings,&nbsp;<a   href=\"https:\/\/www.houzeo.com\" target=\"_blank\" rel=\"noreferrer noopener\">Houzeo.com<\/a>&nbsp;is one of the biggest property listing sites in the US. Find condos, townhouses, co-ops, and other types of&nbsp;<a   href=\"https:\/\/www.houzeo.com\/homes-for-sale\" target=\"_blank\" rel=\"noreferrer noopener\">homes for sale<\/a>&nbsp;on Houzeo, America\u2019s best home buying website.<\/p>\n\n\n\n<p class=\"margin-top-15\"><strong>\u00bb NEED MORE CLARITY?&nbsp;<\/strong>Read these exclusive&nbsp;<a   href=\"https:\/\/www.realestatequeen.com\/houzeo-reviews\/\" target=\"_blank\" rel=\"noreferrer noopener\">Houzeo reviews<\/a>&nbsp;and learn why the platform is the best in America\u2019s competitive housing market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Also Read<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a   href=\"https:\/\/www.houzeo.com\/blog\/mortgage-commitment-letter\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mortgage Commitment Letter<\/a>: <\/strong>Read to know more.<\/li>\n\n\n\n<li><a   href=\"https:\/\/www.houzeo.com\/blog\/tax-lien-investing\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Tax Lien Investing<\/strong><\/a>: Complete details about investing in tax liens for a high return on investment.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<div class=\"new-excerpt\"><p class=\"small-desc\">Title commitment is the first step in protecting your new home with a title insurance policy. Heres' what you NEED to...<\/p><\/div><div class=\"reading_date\"><span class=\"readtime\">5 mins read<\/span><span class=\"date\">Feb 01, 2024<\/span><\/div>","protected":false},"author":102,"featured_media":430608,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46225],"tags":[28028,28019,28023,28029,28025,28027,28021,28026,28022,28024,28020],"class_list":["post-151732","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buyer","tag-preliminary-title-commitment","tag-title-commitment","tag-title-commitment-definition","tag-title-commitment-explained","tag-title-commitment-in-real-estate","tag-title-commitment-letter","tag-title-commitment-meaning","tag-title-commitment-process","tag-title-commitment-vs-title-policy","tag-what-is-a-commitment-for-title-insurance","tag-what-is-a-title-commitment"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a Title Commitment?<\/title>\n<meta name=\"description\" content=\"Title commitment is the first step in protecting your new home with a title insurance policy. 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