Frequestly asked questions
What does a title company do?
What is title insurance and why do I need it?
What is title insurance and why do I need it?
A title company plays a critical role in real estate transactions by researching the history of a property, identifying potential title issues, and ensuring ownership can be transferred properly. At Apex Title LLC, we coordinate the closing process, issue title insurance, and help ensure there are no surprises when ownership changes hands.
What is title insurance and why do I need it?
What is title insurance and why do I need it?
What is title insurance and why do I need it?
Title insurance protects buyers and lenders against past issues tied to a property’s ownership—such as liens, unpaid taxes, recording errors, or undisclosed heirs. Unlike other insurance policies, title insurance protects you from issues that may have occurred before you purchased the property.
Who pays for title insurance in Colorado?
What is title insurance and why do I need it?
Who pays for title insurance in Colorado?
In Colorado, who pays for title insurance is negotiable and outlined in the contract. Often, the seller pays for the owner’s title insurance policy, while the buyer pays for the lender’s policy if there is a loan. Your real estate agent or Apex Title can help clarify this for your specific transaction.
How long does title insurance last?
Will Apex Title communicate with me throughout the process?
Who pays for title insurance in Colorado?
An owner’s title insurance policy lasts for as long as you or your heirs own the property. There are no monthly payments or renewals—your coverage is paid once at closing and remains in effect.
What happens during the title search?
Will Apex Title communicate with me throughout the process?
Will Apex Title communicate with me throughout the process?
A title search reviews public records related to the property to uncover any potential issues, such as liens, judgments, unpaid taxes, or ownership disputes. If issues are discovered, Apex Title works to resolve them before closing whenever possible.
Will Apex Title communicate with me throughout the process?
Will Apex Title communicate with me throughout the process?
Will Apex Title communicate with me throughout the process?
Yes—communication is a core part of our process. We provide proactive updates and are available to answer questions throughout the transaction so you’re never left wondering what’s happening behind the scenes.
What is involved in a real estate closing?
Do I need title insurance if I’m refinancing?
Do I need title insurance if I’m refinancing?
At closing, final documents are signed, funds are distributed, and ownership of the property officially transfers. Apex Title coordinates all parties involved to ensure documents are accurate, timelines are met, and the transaction is completed smoothly.
Do I need title insurance if I’m refinancing?
Do I need title insurance if I’m refinancing?
Do I need title insurance if I’m refinancing?
Yes. When refinancing, lenders typically require a new lender’s title insurance policy to protect their interest in the property. Apex Title handles refinance transactions with the same care and attention as purchase closings.
What areas of Colorado does Apex Title serve?
Do I need title insurance if I’m refinancing?
What areas of Colorado does Apex Title serve?
Apex Title provides title insurance and closing services throughout Colorado. If you’re unsure whether we service your area, feel free to reach out—we’re happy to help.