What Is a Title Commitment in NH Real Estate?

🏡 What Is a Title Commitment in NH Real Estate?

During a home purchase in Plymouth, Campton, Thornton, Rumney, or anywhere in Central NH, you’ll receive a document called the title commitment (sometimes called a “commitment for title insurance”).

This is one of the most important documents to review before closing, because it outlines exactly what the title insurance company is willing to insure — and what exceptions exist.

Here’s what NH buyers need to know.

⭐

What Is a Title Commitment?

A title commitment is a formal document issued by a title company or closing attorney promising to provide title insurance once all listed requirements are met.

It shows:

• What the title company will insure

• What issues must be fixed before closing

• What exceptions will not be covered

Think of it as the “preview” of your final title insurance policy.

⭐

What’s Included in a NH Title Commitment?

A full title commitment usually contains three sections:

1️⃣ Schedule A – Basic Information

Includes:

✔ Buyer and seller names

✔ Legal description of the property

✔ Purchase price

✔ Proposed insured (usually the lender and buyer)

2️⃣ Schedule B – Requirements

Lists everything that must be resolved before closing, such as:

✔ Paying off mortgages or liens

✔ Fixing title defects

✔ Obtaining missing signatures

✔ Finalizing probate for inherited property

3️⃣ Schedule C – Exceptions

These are items not covered by title insurance, including:

✔ Easements

✔ Covenants and restrictions (CC&Rs)

✔ Rights-of-way

✔ Certain boundary issues

✔ Public utilities access

These “exceptions” stay with the property.

⭐

Why the Title Commitment Matters

For NH buyers, the title commitment:

✔ Reveals problems before closing

✔ Shows you what is (and isn’t) insured

✔ Protects you from future ownership disputes

✔ Helps prevent legal or financial surprises

It’s one of the most important documents to review carefully.

⭐

Common Issues Found in NH Title Commitments

You may see:

• Unreleased mortgages

• Old home equity lines

• Boundary questions

• Past deed errors

• Shared well or driveway agreements

• HOA restrictions

• Utility easements

• Tax liens

Your closing attorney will help interpret anything unclear.

⭐

What Buyers Should Do After Receiving It

Buyers should:

✔ Read all pages (especially exceptions)

✔ Ask their agent or attorney questions

✔ Confirm no unexpected easements or restrictions

✔ Make sure seller resolves any requirements

✔ Keep copies for future reference

Understanding the commitment helps avoid last-minute delays.

⭐

Keywords

nh title commitment, plymouth nh title insurance, campton nh closing process, rumney nh property title, thornton nh home purchase steps, central nh title search, nh real estate title review

Jim Johnson — Real Estate Agent

58 NH Route 25A

Wentworth, NH 03282

P: (857) 249-7392

W: www.JimJohnsonRealEstateAgent.com

Licensed New Hampshire REALTOR® with Three Hills Real Estate Services

Broker Email: info@ThreeHillsRES.com

Broker Website: www.ThreeHillsRES.com