What Is a Title Commitment, and Why Do I Need One
- By Jim Blackburn
- on
- 100 first time home buyer FAQs
1. A Title Commitment Outlines the Conditions for Title Insurance
A title commitment is a document issued by a title company that details the conditions under which they will provide title insurance.
It serves as a preview of the title insurance policy you’ll receive after closing. This insurance protects you in case there are any title disputes after you purchase the home.
The title commitment lists all the requirements and conditions that must be met before the policy is issued, such as paying off existing liens or resolving any legal issues related to the property.
This document is crucial for ensuring your ownership is legally sound.
2. It Details Exceptions and Issues with the Title That Need to Be Resolved
The title commitment also highlights any exceptions or issues with the title that need to be resolved before closing.
Common issues could include:
- Liens (unpaid debts tied to the property)
- Easements (legal rights allowing others to use parts of the property)
- Ownership disputes or clouded titles
By reviewing the title commitment, you’ll be aware of any red flags and can address them before moving forward with the purchase.
3. Reviewing the Title Commitment Helps Ensure You’re Getting a Clear Title
It’s important to thoroughly review the title commitment to ensure you’re purchasing a clean title—meaning there are no outstanding legal issues or claims on the property.
A clear title protects you from future legal problems, such as disputes over ownership or unexpected costs related to unpaid debts on the property.
Without a clean title, you could face financial and legal challenges after the sale. This makes the title commitment an essential part of the due diligence process before closing.
Ready to Review Your Title Commitment? Let’s Make Sure Everything’s in Order
Download our free “Title Commitment Checklist” — includes key items to look for, common issues, and how to ensure a smooth closing
Chat live now if you need help understanding your title commitment or have questions about the process
Schedule a call with a Stairway Mortgage advisor to review your title documents and make sure your purchase is legally secure
At Stairway Mortgage, we help you protect your investment—
so you can buy your home with confidence and peace of mind.
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