The Title Commitment Is a Contract, Not a Formality
Why Buyers Should Never Ignore the Title Commitment
One of the most overlooked documents in real estate is the title commitment.
Many buyers receive it, glance at the first page, and never review the details.
That can become a costly mistake.
At NuLuxe Realty Group, we explain to buyers that the title commitment outlines:
ownership rights,
existing liens,
restrictions,
easements,
and what the title company will not insure.
It is not just paperwork.
It is a legal roadmap tied to the property.
Why Schedule B Matters
One of the most important sections is Schedule B exclusions.
This section identifies items excluded from title insurance coverage, such as:
utility easements,
deed restrictions,
HOA rules,
access rights,
encroachments,
or mineral reservations.
These issues can survive after closing and directly impact property ownership and use.
Why This Creates Risk
Buyers sometimes discover after closing that:
a fence crosses a property line,
the HOA prohibits intended property use,
utility companies retain access rights,
or improvements violate restrictions.
If these items were excluded in the title commitment, the title company may deny coverage.
That is why reviewing title work before closing is essential.
At NuLuxe Realty Group, we help buyers understand the legal details tied to ownership so there are fewer surprises after closing.
