FAQ
Schedule B Exceptions on a Title Commitment: What They Mean
Schedule B of the title commitment lists the exceptions to title insurance coverage — items the title company will not insure against. Understanding Schedule B is critical for catching issues before closing.
Details
The Full Answer
- Schedule B-1: Requirements (what must happen before the policy issues)
- Schedule B-2: Exceptions (what the policy won't cover)
- Common Colorado exceptions: mineral rights severances, easements, CC&Rs, HOA liens
- How to determine if an exception is standard or problematic
- When to escalate a Schedule B item to the LO or lender
CTC's Role
How CTC Processing Handles This
CTC Processing reviews Schedule B on every title commitment within 24 hours of receipt. Mineral rights, HOA liens, and access easements are the most common Colorado exceptions. CTC distinguishes between standard exceptions (pass-through) and items requiring lender acknowledgment or resolution.
Have more questions?
CTC Processing works with Colorado loan officers. Call 970-222-2615 or email ctcprocessingllc@gmail.com.
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