Title Products
O&E
Ownership & Encumbrance reports provide the last deed of conveyance and any encumbrances on a property. Title America
offers to our preferred customers an online O&E ordering service that is fast and reliable. Please be aware that this product is not title insurance.
Click here to order
Commitments
A commitment provides a list of requirements which must be completed in order to guarantee or insure marketable title or to
guarantee a priority of a loan.
Click here to place a refinance order
Click here to place a purchase order
If you are not a preferred customer, click here (sign-up for online service) and find out how easy it is to
place an online title order or contact your Title America Account Executive for more information.
Policies
Policies are insurance against loss or damage resulting from defects that may have occurred in the past. Title America and our
underwriter First American Title Insurance Company offer several types of policies to meet your needs:
ALTA Owners Policy
This is the broadest form of insurance given in Colorado. It insures:
- Encroachments
- Access
- Rights of parties in possession
- Unrecorded liens and encumbrances
- Taxes
An ALTA Owner's Policy does not cover matters known, created or assumed by our insured.
If OEC (Owner's Extended Coverage) is requested, these additional items will also be included in the policy:
- Mechanics lien protection
- Survey coverage
- Mineral protection
- Owner's inflation coverage
- "Gap" protection
- Covenant and restriction protection
- I.R.S. reporting compliance
ALTA Plain Language Owner's Policy (1-4 family residence)
This is the broadest form of insurance given in Colorado. It insures:
- Encroachments
- Access
- Rights of parties in possession
- Unrecorded liens and encumbrances
- Taxes
An ALTA Plain Language Owner's Policy (1-4 family residence) does not cover matters known, created or assumed by our insured.
If OEC (Owner's Extended Coverage) is requested, these additional items will also be included in the policy:
- Mechanics lien protection
- Survey coverage
- Mineral protection
- Owner's inflation coverage
- "Gap" protection
- Covenant and restriction protection
- I.R.S. reporting compliance
ALTA Mortgagee Policy
The ALTA Mortgagee Policy is for institutional lenders only (such as banks or savings and loans). This policy insures lender priority and that the title is marketable. It covers both recorded matters and unrecorded matters such as:
- Encroachments
- Unrecorded easements
- Access
- Loss of priority
- Unrecorded liens and encumbrances
- Includes deletion of standard exceptions and applicable endorsements
ALTA Construction Loan Policy
The ALTA Construction Loan Policy is for institutional lenders only (such as banks or savings and loans). This policy insures lender priority
and that the title is marketable on construction loans. It covers both recorded matters and unrecorded matters such as:
- Encroachments
- Unrecorded easements
- Access
- Loss of priority
- Unrecorded liens and encumbrances
ALTA Short Form Residential Policy
This is the broadest form of insurance given in Colorado. It insures:
- Encroachments
- Access
- Rights of parties in possession
- Unrecorded liens and encumbrances
- Taxes
- Includes deletion of standard exceptions and applicable endorsements
An ALTA Short Form Residential Policy does not cover matters known, created or assumed by our insured.
If OEC (Owner's Extended Coverage) is requested, these additional items will also be included in the policy:
- Mechanics lien protection
- Survey coverage
- Mineral protection
- Owner's inflation coverage
- "Gap" protection
- Covenant and restriction protection
- I.R.S. reporting compliance
Owner's Policy at Closing or "OPAC"
This is the broadest form of insurance given in Colorado. It is delivered at the time of closing and insures:
- Encroachments
- Access
- Rights of parties in possession
- Unrecorded liens and encumbrances
- Taxes
An Owner's Policy at closing does not cover matters known, created or assumed by our insured.
If OEC (Owner's Extended Coverage) is requested, these additional items will also be included in the policy:
- Mechanics lien protection
- Survey coverage
- Mineral protection
- Owner's inflation coverage
- "Gap" protection
- Covenant and restriction protection
- I.R.S. reporting compliance
Leasehold Title Policy
A policy of insurance that insures a leasehold estate or the lender upon a leasehold estate's interest in the property.
Leasehold Owner's Policy
- Insures title to the tenant's leasehold estate
- Protects the right of possession for the term or terms described in the lease, subject to any provisions contained in the lease
which limit the right of possession
- Protection if a problem arises with the title that was not discovered during the title search
- Pays legal fees for defending a claim
- Lease is recorded and is shown as an exception to title
Leasehold Loan Policy
- Issued to insure the lien of a loan made to a tenant, secured by a lien on the tenant's leasehold interest
- Protects the lender's interest in the property if a problem arises with the title that was not discovered during the title search
FACT Policies
These are an alternative title solution that streamlines the underwriting process allowing lenders to close transactions faster, while
providing cost saving opportunities and improving their customers experience. It protects lenders against losses resulting from:
- Vesting and legal description errors
- Undisclosed liens
- Fraud
- Forgery
- Unauthorized execution of the security interest
Please be aware that a FACT Policy does not offer the same protections included in a ALTA Mortgagee Policy and certain
restrictions for ordering this product may apply.
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