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How to read a Title Commitment.

Title commitments are a crucial part of any real estate transaction, yet they can often appear daunting and full of legal jargon to those unfamiliar with the process. However, with a little guidance, understanding a title commitment doesn't have to be a headache. In this blog post, we'll break down what a title commitment is, why it's important, and how you can read one with confidence.

 What is a Title Commitment?

Before we dive into how to read a title commitment, let's first understand what it is. A title commitment is a document issued by a title company after they've conducted a thorough search of public records related to a property. It outlines the conditions under which the title insurance policy will be issued.

Why is it Important?

A title commitment is important because it provides essential information about the property's title, including any existing liens, encumbrances, or defects. Understanding these factors is crucial for both buyers and lenders to ensure that the property's title is clear and marketable.

How to Read a Title Commitment:

1. Identify the Parties Involved:

   - The title commitment will typically begin with identifying information about the parties involved, including the buyer, seller, and lender.

2. Effective Date:

   - Take note of the effective date, which is the date the title search was conducted. This will give you an idea of the timeframe of the search.

3. Schedule A: Property Information:

   - Schedule A contains detailed information about the property, including its legal description, address, sales price and the current owner of record.

How to read a title commitment
How to read a Title Commitment

4. Schedule B-1: Requirements:

   - This section outlines the conditions that must be met before the title insurance policy can be issued. Common requirements include paying off existing liens, obtaining necessary releases, and clearing any title defects.

5. Schedule B-2: Exceptions

   - Here, you'll find a list of any exceptions to coverage under the title insurance policy. This may include existing easements, restrictive covenants, or other encumbrances on the property.

6. Legal Description

   - Pay close attention to the legal description of the property to ensure it matches the property you're purchasing.

7. Exceptions to Coverage:

   - Carefully review the exceptions listed in Schedule B-2 to understand any potential issues with the property's title.

 8. Review for Accuracy:

   - Finally, review the title commitment for accuracy and completeness. If you have any questions or concerns, don't hesitate to reach out to your real estate agent or title company for clarification.

How to read a title commitment
How to Read Schedule B of your title commitment


Reading a title commitment may seem overwhelming at first, but with a bit of patience and guidance, you can navigate through it with confidence. Understanding the information contained in a title commitment is essential for ensuring a smooth and successful real estate transaction. By following the steps outlined in this post, you'll be well-equipped to review a title commitment and make informed decisions about your property purchase.

If you have any questions about reading your title commitment, reach out to your trusted Title Resource at Sun National Title Company in Lake Wales. We will be happy to answer any questions that have. Learn more at


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