Title commitment: what it is, and how a commercial buyer reads one

With an annotated worked example · last reviewed 2026-08-18

A commitment for title insurance, usually just called a title commitment, is a title insurance company's written offer to issue a policy on the terms it states. This page reads one the way a buyer of a commercial property reads it during diligence. It names the policy it would issue, who would be insured, for how much, what estate or interest it would cover, and which land. Then it does the two things that matter most to a buyer: it lists what has to happen before the policy will issue, and it lists what the policy will not cover if it does.

The word that carries the weight is offer. A commitment is a contract about a future policy, not a description of your title. The current form says so on its face, in a notice that tells the reader the document is not an abstract of title, not a report on the condition of title, and not an opinion of title. California puts the same idea in statute for the preliminary reports, commitments and binders issued there, which are defined as offers to issue a policy and expressly not representations about the condition of title.

That framing has a practical edge. Any search or examination behind it used procedures the form describes as the company's own, performed for the company's own benefit, in order to decide what it was willing to insure. A commitment tells you the terms on which the company is willing to issue a policy. Reading it as a list of everything affecting the property is one of the more common ways buyers get less out of it than it holds. Silence in it is not a clean bill either: nothing here speaks to zoning or building compliance, permits, the condition of the improvements, the environmental condition of the land, or who owns the equipment on it. Those are separate diligence workstreams.

This is general information about a document, not legal advice, not an interpretation of the commitment you were sent, and not a substitute for counsel on your transaction. Title practice is set state by state, so the form, the wording, and the legal consequences all change with where the property sits, and a few states run coverage through a different issuer and a different instrument entirely.

Before you read a line of it, open the purchase agreement and calendar the title and survey deadlines. Establish what delivery starts the review period, how an objection has to be delivered, which matters the seller is obliged to cure, which it may decline, and what your options are if it declines. An exception can sit on the commitment, fully understood, while the right to object to it quietly expires. Counsel licensed in the state should read those provisions and prepare any objection.

The parts of a commitment

Three documents get called for in the same breath, so it is worth separating them before going further. The commitment is the offer, and it is conditional. The policy is the contract you hold afterwards, which in most states is a title insurance policy. A title report is looser usage: in some states it names the same instrument, and elsewhere it can mean a search product that makes no offer at all. Both comparisons are worked through further down.

Under the commitment form the American Land Title Association (ALTA) adopted in 2021, effective July 1 of that year, the complete document is the notice, the commitment to issue a policy, the commitment conditions, Schedule A, both parts of Schedule B, and any countersignature the form calls for. If you were sent only the schedules, ask for the rest before relying on its terms. The reading happens in three places: Schedule A, and the two parts of Schedule B.

Schedule A

The facts the rest of the document depends on. The date it speaks as of, the policy or policies to be issued, the proposed insured, the amount, the estate or interest, who record title is vested in, and the legal description of the land.

Schedule B, Part I, the requirements

What has to be done, produced, paid or recorded before the company will issue. Under the ALTA form the company is not obligated to issue the policy until these are met to its satisfaction, and if they are not met within the period the commitment states, the commitment terminates and the company's obligation ends.

Schedule B, Part II, the exceptions

What the policy would not cover. An exception identifies a matter, or a category of loss, that the proposed policy leaves out. It does not tell you the matter is valid, that it harms your intended use, or that another part of the policy would otherwise have reached it. Some describe a category of risk and some name a specific recorded document, and which appear depends on the form, the state and the company. Both kinds earn reading time: the broad ones for how much they sweep in, the specific ones for what their documents actually say.

A financed purchase often shows two proposed policies, and they are not interchangeable. An owner's policy names and protects the acquiring entity. A loan policy names and protects the lender's interest in its mortgage, and buying one does not give you the other. The two can carry different amounts, exceptions and endorsements, so establish which forms are proposed and ask for copies of them and of every endorsement requested.

The lettering is not universal. Texas promulgates its own form, where the same material is arranged differently: exceptions sit in Schedule B, requirements sit in Schedule C, and the estimated premium sits in Schedule D. Read the schedule headings on the document in front of you rather than assuming the arrangement.

A commitment, part by part

What follows was written for this page. There is no Marbury Road Self Storage, no Halverson entity, no recorded instrument behind any book and page cited, and no issuing company: the issuer is left blank on purpose. The arrangement follows the current ALTA form, but every word of the wording below is written from scratch, because a real commitment is worded by the company that issues it and, in states that promulgate a form, by the state. It is also deliberately issue-dense: the items are gathered here so one document can show the range. How many a real commitment carries, and which kinds, depends on the property, the records, the transaction, the form, the state, and the company. Read each part first and see what you notice, then read what follows it.

Schedule A

What each item is telling you

1. The commitment date is a cutoff, not a status. Item 1 carries a date and a time because that moment is the one the commitment's terms are keyed to. It does not make the document a report on the state of the title, and the form does not warrant what was examined. What it does mean is that matters arising after it get handled under the form's own terms rather than by the body of the commitment as first written. Forms handle that interval differently, and this example carries a separate exception for it, which the exceptions section covers. Either way, a commitment issued early in a deal is a starting document rather than a closing one.
2. The amount is not a field to skim. Item 2 states $4,150,000 as the proposed amount of insurance. That figure anchors what the insurer may be called on to pay, while what a policy actually covers, and which costs sit outside the stated amount, are set by the policy, its conditions and any endorsements. For an owner's policy the purchase price is the ordinary starting point, and a loan policy ordinarily starts from the amount of the insured debt. Construction, later improvements and a change in the ownership structure can all call for different treatment. Compare the stated amount against your purchase agreement and financing documents, and take any difference to counsel and the company before closing rather than accepting a field because it arrived pre-filled.
3. The estate or interest can differ parcel by parcel. Item 3 names fee simple for Parcel One and an easement for Parcel Two as the estate and the interest the proposed policy would cover. Those are different things to own. The Parcel Two easement's scope, width, maintenance obligations and termination provisions live in the granting instrument, and no policy amount changes what that instrument says. Ground-leased sites raise the same question in a sharper form, because a leasehold that expires is a different asset from fee.
4. The vested name is the one to reconcile first. Item 4 vests title in Halverson Marbury Investments, LLC. The seller on the purchase agreement in this fiction is Halverson Marbury Holdings, LLC. Those are two different entities with adjacent names, and a commitment is where the difference surfaces. Sometimes it is a clerical variance, sometimes an unrecorded transfer, sometimes a party signing who has no record interest to convey. Which one it is determines what has to be produced and how long it takes, so it is worth resolving the week you receive the document rather than the week you close.
5. The legal description defines what is being insured. Item 5 describes two parcels, and the policy will speak to what this description covers. Read it against the purchase agreement, the survey, and the tax parcels, because those four documents can describe different footprints. The commitment's own definition of the land stops at the boundary, so abutting streets are not part of it, while whether a right of access is insured is a matter the policy addresses on its own terms.

A common shortcut

“Schedule A is just the cover page, the exceptions are the real document.” Schedule A is where the vesting mismatch, the wrong estate, and the short legal description live, and each of those changes what the rest of the commitment means.

What to request next

The vesting deed and any instrument in the chain that explains the name difference, the granting instrument for every easement parcel named in the description, and the legal description your purchase agreement uses, so the two can be compared word for word rather than by address.

Where it lands in diligence

Schedule A sets the identity questions the rest of diligence answers: who signs, what you are buying, and which ground the survey has to cover. A description mismatch found here changes the survey scope before the surveyor is engaged, which is considerably cheaper than finding it after.

Schedule B, Part I: requirements

What the requirements are telling you

A requirement is work, and work has an owner and a clock. The first pass through this schedule is not about whether each item is reasonable. It is about who does it, what they need from someone else to do it, and whether that is achievable inside the period the commitment gives, which in this fiction is 180 days from the commitment date. A real form leaves that period for the issuer to fill in.

1. Even the mechanical items have an owner. Paying the agreed amount, paying the premium, and recording a properly executed deed are the mechanics of closing. Each still needs an owner and a date. The deed item is tied to the record owner named in Schedule A, so in this example it cannot be treated as routine until the two Halverson names are reconciled.
2. Entity authority starts with the record owner. Requirement 3 is directed at the owner named in Schedule A, item 4, and asks for its governing documents, evidence of good standing, and a written consent naming the person who may sign. Read it against the name difference above, because the entity that has to satisfy it is the one holding record title, which is not necessarily the one that signed your purchase agreement. For an entity whose records are current these may be routine to assemble, though the company still has to accept them. Where a member has died, an interest has transferred, a registration has lapsed, or the operating agreement requires a vote nobody has held, it is the item that decides your closing date.
3. A payoff and a released lien are two different events. Paying the debt and getting the deed of trust out of your policy are separate steps, and they rarely happen at the same moment. At closing the company will normally work from a payoff statement, the closing funds and whatever assurances it requires, with the release recorded afterwards. Ask who is responsible for obtaining it, what the company will rely on in the meantime, and what happens if it is delayed. Where the loan is securitized, serviced by someone other than the original lender, or in any kind of workout, that delay is worth asking about rather than assuming.
4. A lien item is a fact about the records, not a judgment about the claim. Requirement 5 asks for a release of a recorded mechanic's lien or an indemnity the company finds acceptable. The company is not telling you the claim is valid. It is telling you it will not insure over it as things stand. Whether a lien of that kind can reach back to work performed before it was filed, and what it takes to remove or bond around it, are governed by the state's statute and belong with counsel licensed there.
5. An identity item is not closed until the company says so. Requirement 6 exists because a recorded judgment names Halverson Marbury Investment Co., which is close enough to Halverson Marbury Investments, LLC to have to be ruled out. It clears when the company accepts the evidence it asked for, and not before, so establish early what evidence that is and what created the match. Whether a judgment of this kind attaches to this owner or this land is a legal question rather than a paperwork one, and belongs with counsel.
6. The survey item is a choice presented as a requirement. Requirement 8 is conditional: it applies if the survey exception is to be modified. Ask the company, before you order the survey, what standard, certification and date it requires, what change to the exception it is willing to consider, and whether a further charge applies. A survey can support deleting or narrowing the exception. It does not cure an encroachment or any other condition it discloses, so the two are separate questions.

A common shortcut

“Title will take care of all that before closing.” Several of these items are things only the seller, the seller's lender or a third party can produce, and the company's position is that it has no obligation to issue until they arrive.

What to request next

A named owner and a target date for each requirement, the payoff statement and the servicer's release process for any recorded loan, the entity documents and the authorizing consent, and, where a lien is listed, the underlying claim documents rather than a summary of them.

Where it lands in diligence

This schedule is a work list that runs in parallel with your financial and physical diligence, and it is the one most likely to depend on parties you have no relationship with. Tracking it by owner and date from the week it arrives is what keeps it from becoming a closing-week problem.

Schedule B, Part II: exceptions

What the exceptions are telling you

Some exceptions describe a category of risk and some are written for this transaction, and either kind can concern a recorded document or an unrecorded matter. Which ones appear at all depends on the form in use, the state, and the company, so read the wording in front of you rather than a remembered list. Two passes do most of the work. On the first, mark every exception that names a recording reference and request that document. On the second, ask of each remaining exception how much it sweeps in and what would narrow it. What a named document then does to your title is a question for the instrument, the policy, and counsel.

For each item that matters, write down the outcome you are asking for. A requirement can be satisfied or reworded. An exception can be deleted, narrowed to a named document or a specific survey condition, paired with an endorsement addressing a defined loss, or left in place once you understand what it costs you. Then ask for every agreed change in a revised commitment or a written pro forma policy. An email saying an item is handled is not the document you receive at closing.

1. The interval before the requirements are accepted. Exception 1 in this example reaches a title matter that takes effect, or first becomes known to the company, after the commitment date and before it accepts the last of the Part I items. That is wider than a records update, and it is the reason a commitment gets brought current rather than relied on as first issued. Forms handle the interval differently: the current ALTA form prints its version in brackets, which on that form marks language the issuer may or may not include, and the Texas form places an equivalent item among its requirements rather than its exceptions. Ask when the records will be brought current, and how anything arising between that moment and recording gets handled.
2. Rights of parties in possession. Exception 2 in this example reaches claims of people occupying the land and the terms of occupancy arrangements that do not appear of record, which on an income property is where much of the occupancy sits. Not all of it, though: this same example carries a recorded memorandum of a lease, so some occupancy rights do reach the records. A rent roll helps without settling it, since the roll is the seller's summary of what the seller says exists and the exception is written around what the records do not show. Whether a commitment carries an item like this, how far it reaches, and what evidence would let the company narrow it vary by form, state and company. The documents that bear on it are the leases and their amendments, tenant estoppels, and the owner's affidavit this example asks for at requirement 7.
3. Matters a survey and inspection would disclose. Exception 3 is broad. It hands back boundary discrepancies, shortages in area, encroachments, projections and overlaps. On a storage facility that can mean a building corner over a line, a fence that is not the boundary, or a drive aisle that runs across the neighbour. Whether to ask for a modification, and at what cost, is a transaction question for you, counsel, the surveyor and the company. Under the current ALTA and National Society of Professional Surveyors (NSPS) survey standards a surveyor is to be given the most recent commitment, or other title evidence the insurer finds satisfactory where no current commitment exists, and is to show the easements that can be plotted, both those burdening the land and those benefiting it, and to summarize every survey-related matter burdening it that the title evidence identifies. That is the work that turns these exceptions into a picture.
4. An easement with no defined location. Exception 6 names a utility easement whose location the recorded instrument does not define. An easement like that is not confined to a strip you can draw, so it is not answered by looking at where the poles currently run. The survey standards recognize this case directly, requiring the surveyor to note when a location cannot be determined from the record document and when an easement is blanket in nature. Where a site plan depends on building over a particular area, that note is the beginning of a conversation with counsel and the utility, not the end of one.
5. Recorded covenants and the approval they require. Exception 5 names recorded covenants, conditions and restrictions (CC&Rs) with an architectural review requirement and an assessment obligation. For a buyer planning expansion, re-signage, or a change in use, the review article decides whether the plan needs someone else's approval and how that approval is obtained. The assessment article decides whether the property carries a recurring obligation that belongs in your operating numbers. Both are questions about the document, and the document has to be read. Current forms also treat any covenant that discriminates against a protected class as removed rather than republished.
6. A recorded lease you may not have been told about. Exception 8 names a recorded memorandum of a sign lease. A memorandum is a short recorded notice of a longer agreement, so it puts the existence of that agreement on the record without putting its terms there. Whether the lease or any of its obligations binds you as the next owner depends on the instrument and on the law of the state, which is a counsel question rather than a reading of the memorandum. What term it has, what it pays, whether it renews, and what access it grants are all in the full document. This is also a line worth reconciling against the income the seller reported, since a lease the records know about and the operating statement does not is a question in both directions.
7. Severed minerals. Exception 9 names a reservation of minerals with rights of ingress and egress. Where minerals have been severed from the surface, what the mineral owner may do at the surface depends on the reserving instrument and on the law of the state, and those rights can be materially different from one state to the next. Some states also treat this as a standing subject on commercial commitments rather than an occasional one. The screening step is short: establish whether the minerals are severed, get the reserving instrument if they are, and ask counsel in that state what surface rights it actually carries before assuming a paved site is unaffected.
8. The easement you own, read from the other side. Exception 7 is the same instrument that appears in Schedule A as Parcel Two, appearing here because the grant's own terms are not what a policy insures. The proposed policy may insure title to the easement interest, as Schedule A item 3 contemplates, while the grant still fixes its width, permitted uses, duration and maintenance duties, and the adjoining owner keeps rights in the same ground. Check that the insured interest matches the access your operation actually needs. Shared access is also where maintenance cost, gate placement, hours and truck movement get settled, and none of that is an insurance question.

A common shortcut

“Those are the standard exceptions, every commitment has them.” Which items appear depends on the form, the state and the company, and reading every item as boilerplate is how a blanket easement or a recorded lease gets missed. The two not walked through above still need placing: the tax exception runs into the years after closing and can reach a prior year where a sale, a change of use or a lost exemption alters the assessment, so it belongs with the proration work and with someone who knows that jurisdiction. A fixture filing commonly sits in the real property records because it covers goods attached to the land. A separate Uniform Commercial Code (UCC) search, in whichever office that state uses, is what turns up security interests in equipment and other personal property the commitment does not address. Have counsel settle which offices, debtor names and collateral to search.

What to request next

A complete legible copy of every document named in an exception, requested by its recording reference. Then a current land title survey prepared against this commitment, so the plottable matters appear on a drawing and the ones that cannot be plotted appear as notes explaining why.

Where it lands in diligence

The exceptions drive three separate workstreams: the survey, the lease and estoppel file, and a counsel review of the recorded documents. They also reach your numbers, since assessments, shared maintenance and a recorded lease all change what the property costs and earns.

Title commitment versus title policy

Under the form this page has been reading, these are different documents doing different jobs at different moments. The commitment is the offer and it is conditional. The policy is the insurance contract and it is what you hold afterwards.

• A commitment runs out. A policy is a different kind of document. A commitment states a period for meeting the requirements, and the current ALTA form provides that when the period passes without them being met, the commitment terminates and the company's liability and obligation end. How long a policy's coverage runs is a separate question, answered by the policy type, the interest insured, and the policy's own conditions.
• Requirements govern issuance. The policy states the final exceptions. Schedule B, Part II is the draft of what will sit in the policy's own exceptions. Requirements are conditions to issuing. Under the ALTA form the company is not obligated to issue until they are met to its satisfaction, and the Texas form states in as many words that unresolved requirements appear as exceptions in the policy instead.
• Only the named proposed insured can claim under a commitment. The current form provides that only a proposed insured identified in Schedule A may make a claim under the commitment. The practical step is to check that the entity named there is the entity you will actually close in, and to have it corrected before closing rather than after.
• Once the policy issues, the policy is the operative document. The form provides that all liability and obligation under the commitment end at that point and the company's only liability is under the policy. So the time to negotiate an exception is while the commitment is live, and when the policy arrives, read its exception schedule against the last revised commitment rather than assuming every item carried across unchanged.
• Deleting an exception is not the same as gaining coverage. The form is explicit that removing or modifying an exception does not by itself oblige the company to provide coverage beyond the terms of the commitment and the policy. What a policy covers is set by the policy, its exclusions and its conditions, and by any endorsements issued with it.

Title commitment versus title report

“Title report” is loose usage rather than a single defined document, which is why the comparison confuses people. What it means depends on where you are and what you were sent.

• In California the naming is settled by statute. California groups preliminary report, commitment and binder under one statutory definition, so a document titled preliminary report there is doing the job this page describes and is governed by the same rule.
• An abstract is a different instrument entirely. An abstract of title is a compiled history of the instruments and proceedings in the chain of title. It is evidence to be examined, not an offer to insure, and its scope and legal use vary by state. The current commitment form takes care to say a commitment is not one.
• A search report from a search company is not an offer to insure either. Buyers are sometimes sent a plain search product, which lists what a searcher found. It carries no commitment to issue and no insurer's position on what it will cover. If nothing in the document names a policy, a proposed insured and an amount, you are probably not holding a commitment.
• How to tell what you are holding. On the current ALTA form, look for the policy to be issued, the named proposed insured, the amount, and a schedule of requirements alongside a schedule of exceptions. State forms arrange the same material differently, and a statutory definition can reach documents that look nothing like it, so identify what you are holding from the form it is written on and from its own terms rather than from a remembered checklist.

What to ask for alongside it

A commitment on its own points at documents rather than containing them. These are what turn it into something you can act on, roughly in the order they become useful.

• Legible copies of every exception document, by recording reference. Ask for them as a set, cited to the book and page or instrument number the commitment uses. Partial and unreadable copies are common enough that the survey standards have a note for the case, and an illegible document is a question, not a closed item.
• A current land title survey prepared against this commitment. Under the current ALTA and NSPS standards the surveyor is to be given the most recent commitment, or other title evidence the insurer finds satisfactory where no current commitment exists, and the resulting plat notes the source of that title evidence, its effective date and the insurer. Ask that the survey reference the same commitment number and commitment date you are reading, or whatever that date is called on the form in use, since a survey prepared against superseded title evidence can miss a later exception.
• The leases, amendments, and any document a recorded memorandum points to. A memorandum records the existence of an agreement without its terms. The terms are what you need.
• The vesting deed and the chain behind any name difference. Where the vested owner is not the party you are contracting with, the explanation should be a document rather than a description of one.
• Tax certificates, assessment statements, and notice of any pending appeal or special district. The tax exception names a year and later years. What is actually owed, what changes on a sale, and whether a district assessment runs with the property are separate questions the exception does not answer.
• A revised commitment or pro forma policy before closing, then the policy itself after. The document you negotiated against speaks as of its own date. Compare the revision against the version you objected to, and confirm every agreed deletion, narrowing and endorsement, and the insured name, land, estate and amount, one more time. When the issued policy arrives, read its schedules against that last written version rather than filing it unopened.

What changes by property type

Within whatever form you are handed, what lands in the exceptions and what a survey has to resolve changes with the property type. The current ALTA and NSPS standards say as much directly, naming campgrounds, manufactured housing communities, marinas, easements and leases among the interests that can fall outside what a land title survey normally encounters, and asking that the scope be agreed in writing before the work starts.

Where the process changes by state

Title practice is set state by state, and the differences are structural rather than cosmetic. Three examples, each from the governing authority rather than from custom, show how far the instrument itself can change.

• Texas promulgates the form. The commitment used there is a form adopted by the state's insurance regulator, with exceptions in Schedule B, requirements in Schedule C, and an estimated premium in Schedule D. It prints its own standard exceptions, including one for area and boundary matters that a buyer may ask to have amended by furnishing a survey, meeting the company's other requirements, and paying an additional premium on the owner's policy.
• Iowa runs title coverage through a state program. The Iowa Code excludes title insurance from the risks an insurer may write in the state. Coverage there runs through a state program, which issues commitments and certificates in reliance on an abstract continuation prepared by a participating abstractor and a title opinion rendered by a participating attorney.
• California defines the document in statute. Its Insurance Code settles what a preliminary report, commitment or binder is and what it is not, which is why the naming there differs from the naming elsewhere while the function does not.

You do not need to learn a state's title law to read a commitment. Start with four questions about the document in front of you.

• What issued it, and how is it arranged? A title company on an ALTA form, a form the state promulgates or otherwise permits, a state program working from its own document, or a search provider offering no commitment at all. Then find where that instrument puts the requirements and the exceptions, if it has them. If you cannot answer this one, start here, because you may not be holding what you assume you are.
• Is this parcel recorded, or registered? Some jurisdictions run a land registration system, built around a certificate of title, alongside the ordinary recording system. Registered land changes which evidence controls and how interests are entered against it. Registered and unregistered parcels can sit in the same county, so ask about the parcel rather than the state.
• Do the ownership and marital facts add a signature? How an interest is held, and the marital status of anyone holding it, can create a further vesting, consent or joinder requirement. The ownership shows up with the vesting, and anything the company wants done about it shows up with the requirements. Both turn on the facts of the ownership as much as on the state.
• Has there been recent work on the property? Whether a lien for work already done can still be filed, and where it would sit in priority once it is, are questions of state law. Those rules are why the company asks about recent work, and why it may want an affidavit or an indemnity before it will insure over one arriving late.

Ask the title company what it will require and what it is willing to insure. Ask counsel licensed where the property sits what that state's law does to vesting, lien priority and recording. Who selects the company, who pays for which policy, and who supervises the closing belong in the purchase agreement and the closing plan: they matter, and they are worth settling early, but they do not change how you read the commitment.

Sources

The form, process and state claims above rest on these, all read on August 18, 2026. Forms are revised and superseded, so check the current version rather than this page's reading of it.

• Policy forms and related documents (opens in a new tab) · American Land Title AssociationForm inventory. The commitment adopted in 2016 is listed as decertified as of December 31, 2022, and the redline published there sets out the 2021 revision this page describes.
• Minimum Standard Detail Requirements for ALTA/NSPS Land Title Surveys (opens in a new tab) · American Land Title Association and National Society of Professional SurveyorsEffective February 23, 2026, superseding earlier versions. Sections 2, 4 and 6 cover the property types treated as outside the normal scope, the title evidence the surveyor must be given, and how easements are plotted and summarized.
• Form T-7, Commitment for Title Insurance (opens in a new tab) · Texas Department of InsuranceThe form promulgated for use in Texas, effective January 3, 2014. It arranges the same material differently, putting exceptions in Schedule B and requirements in Schedule C.
• Insurance Code section 12340.11 (opens in a new tab) · California Legislative InformationDefines a preliminary report, commitment or binder as an offer to issue a policy, and states that it is not an abstract of title and not a representation as to the condition of title.
• Iowa Code section 515.48 (opens in a new tab) · Iowa LegislatureSubsection 10 excludes title insurance from the risks an insurer may write in Iowa.
• Iowa Title Guaranty Commercial (opens in a new tab) · Iowa Economic Development and Finance AuthorityThe state program that issues commitments and certificates in Iowa, in reliance on an abstract continuation and an attorney's title opinion.

This page is general information for buyers, not legal, tax, accounting, or investment advice, and not an appraisal or opinion of value. Marbury Road Self Storage, Halverson Marbury Holdings, LLC, Halverson Marbury Investments, LLC, Northbank Storage Partners, LLC, and every recording reference, figure and item in the example are invented for the walkthrough. Title practice, the form in use, recording and lien statutes, closing custom, and what a severed mineral owner may do at the surface vary by state and by the terms of your specific contract. Nothing here describes any particular company's underwriting position. Read the document you were actually sent, and take anything consequential to counsel licensed in the state where the property sits.