How much does title insurance cost, and how often do I pay?

One premium at closing — no monthly bill and no renewals. Colorado title premiums are filed and regulated, and the coverage lasts for as long as you own the home.

Isn’t the title search enough on its own?

The search lowers the risk, but it can’t catch everything — a forged signature, an unknown heir, or a filing error can surface later. The policy covers what slips through. In our area, more than half of sales turn up something that needs clearing before closing.

Do I need an owner’s policy if my lender already requires one?

Your lender’s policy only protects the bank’s loan balance. The owner’s policy is the one that protects your ownership and equity — it’s optional, but it’s the one that protects you. Ask us for the owner’s-policy guide for the full picture.

Why CCTE — Title & Escrow for Agents, Lenders & Builders

Three things we protect on every file

Your commissionUnapologetically pro-broker. Unrepresented deals carry a higher closing fee — no agent on the file means more coordination on us. We partner with professionals like you, never around you.
Your reputationWho you recommend reflects your brand. Local examiners who read these chains every week, escrow officers closing 80% of files in person, and a zero-defect mindset across 20,000+ transactions.
Your timeCommitments in three business days, curative cleared in two to four. Same-day notary, after-hours signings — and we close wherever your client is: in our offices, in Denver, or fully remote with a notary. Unusual ask? Just ask.

The numbers — 20,000+ closings since 2002 · more than 50% of local sales need curative work · three-business-day title commitment · 80% of closings done in person.

Pricing without the mystery

$400 flat. A bundled closing fee on represented purchases — one number, one page.
Variable items billed separately. Tax certificate, recording fees and similar pass-throughs are itemized, not buried.
Refi and builder rates quoted up front. No file needed to get a number. Applies to orders opened on or after April 6, 2026.

Put us to work early

Sanity checks before contract. Send us the address and we'll tell you what's sitting on the chain.
Quotes without a file in hand. No order required.
Doc prep. Deeds, notes, POAs.
Free title & escrow seminars for your office, plus statewide Colorado coverage.

Security on every file

End-to-end encryption. Messages, documents and wire instructions move through Qualia, behind a login — never plain email.
Dual-control wires. Two people to initiate and release every wire. Never one.
Identity verification on both sides before funds move. How we protect your funds →

The people your clients will meet

Brett Eakins — TitleFormer owner of this agency, working Chaffee County records since 2002. Nobody in the region reads a messy chain better.
Jennifer Leighton Scanga & Cindy Schwartz — Escrow40+ combined years getting deals to the table across our three offices, with Colleen Hemmert and Brenda Smith raising the bar every day.
Dan Strickland — PresidentPairing CCTE's deep local know-how with modern tools and tighter security. Something we could do better? Tell him — feedback is a gift.

We live here and invest here — Habitat for Humanity, Boys & Girls Club, ROCC, 4-H, and the local Chambers. Your clients aren't a file number. They're neighbors.

Common questions

Why does an unrepresented deal cost more?

With no agent on the file, the coordination lands on us — scheduling, document chasing, explaining the process to both sides. The higher fee reflects that work, and it's quoted up front like everything else.

Can you close a client who isn't in Chaffee County?

Yes. We have statewide Colorado coverage and close in our offices, in Denver, or fully remote with a notary. Same-day notary and after-hours signings are available when a deal needs them.

How fast is a title commitment?

Three business days is typical, with curative cleared in another two to four when something turns up. Timelines vary by file — a mining claim or a missing heir takes longer than a clean subdivision lot.

Who underwrites your policies?

First American Title Insurance Company and Westcor Land Title Insurance Company (WLTIC). We're ALTA and LTAC members, DORA-regulated, and run on Qualia.

Educational only — not legal or tax advice. Service levels and turnaround timelines are typical, not guaranteed, and vary by file. Represented closing fee applies to orders opened on or after April 6, 2026. Underwriters: First American Title Insurance Company · Westcor Land Title Insurance Company (WLTIC). As of August 2026.