Your title bill has two pieces — the regulated insurance rate and our closing fees. Here's what each is, who sets it, and why our value beats our price.
Two pieces add up to your total — and both are filed with and approved by the Colorado Division of Insurance. Nothing is invented at the closing table.
The title insurance premium — a filed, regulated rate set by the underwriter and filed with the Colorado Division of Insurance. Not invented at the closing table, and never marked up by us.
Our settlement and closing fees — also filed with and approved by the Division of Insurance. Itemized and explained before you sign.
Two transparent pieces, added up in plain sight. Every line on the page — no surprises at the table.
Title premium, closing & escrow fees, and a seller net sheet. Itemized in minutes.
Get an instant quote →Covers standard residential purchases & refinances
Property research and document services people ask us for — flat-fee, no closing required. Order any of these directly.
Fees current as of May 7, 2026. Variable fees (recording, tax certificates, express mail) billed only as incurred. Research reports (O&E, TBD) are informational — not title insurance or a commitment to insure. Order any service →
Every fee filed with the state, every line explained — before you ever sign.
Filed rates · Itemized quotes · No surprises at the table
Our fees sit right in the middle of the market — by design. What you get for them doesn't.
People who recognize ranch land, mining claims, and conservation easements on sight, flag the water rights that convey separately, and catch what national processing centers miss.
A real local contact on every file, in-person closings, and a team you can actually reach — not a ticket queue.
A typical three-business-day title turnaround and wire-fraud-protected settlement, so deals close on time and on the level.
Informational only — not legal or financial advice.
Because the premium is only one piece of the bill — and the smallest source of risk. The agency you choose determines the quality of the title search, how problems get caught and cured, how funds are protected, and whether your closing actually happens on time. That's where we earn our keep.
Neither. Our closing fees are filed with the state and applied consistently — and we itemize every line before you sign. No surprises at the table.
The amounts are set — the premium and our closing fees are filed rates — but who pays which charge is negotiable, and the contract decides it. Common Central Colorado custom is the seller providing the owner's policy and the buyer paying the lender's policy, with the escrow fee often split between the parties. Your contract always wins.
Send us the property and contract details and we'll prepare a written quote, usually the same business day.
Run an instant, itemized estimate in a couple of minutes — or send us the details and we’ll put an exact quote together by hand, usually the same business day.
