Read a title commitment and list what to ask
Lesson 5 of 6 · Diligence before the wire
1 · Learn the move · Multi-persona
A title commitment is the title company's statement of what it will insure and, in the exceptions, of what it will not. Most buyers check their own name and the price in the first schedule and skip the part that matters. Reading it through three sets of eyes catches three different kinds of problem. The buyer asks what they are actually getting. The next buyer's title company, the one you will face at resale, asks what in this chain it will balk at in a year. A surveyor asks whether each exception can be found on the ground. The model reads as all three, quotes every requirement and exception, and turns each into a question for the title officer or for counsel. It never says title is good, never calls an exception standard or harmless, and never marks a requirement met because the seller said so.
Read this title commitment three times: as the buyer, as the title company at my resale, and as a surveyor. Each reading quotes the requirement or exception it is looking at. Then merge them into QUESTIONS FOR THE TITLE OFFICER and QUESTIONS FOR COUNSEL. Quote my objection deadline from the purchase agreement; do not count it.
2 · Your turn. You write the prompt
The title commitment for a tract you are buying in Dunmere County came in this morning: six requirements, eleven exceptions, and a purchase agreement that gives you a short window to object. You have skimmed it and nothing jumped out, which is not the same as nothing being there. Write the prompt.
Write the prompt for this scenario as given, or swap in a real one from your own work. The score works the same either way.
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