Preparing title commitments and policies manually is tedious and time-consuming, requiring attorneys to compile information from multiple sources, format complex schedules, and ensure every exception and requirement is properly documented. A single commitment can take 3-4 hours to draft, and errors in legal descriptions or missing exceptions can delay closings and expose clients to risk.
Preparing comprehensive title commitments requires meticulous review of title searches, precise legal descriptions, and detailed enumeration of requirements and exceptions. Manual drafting takes hours of attorney time, risks inconsistencies in formatting and terminology, and delays transaction timelines when multiple parties await title clearance.
CaseMark automates title commitment generation by transforming your title search results and transaction details into fully formatted, ALTA-compliant documents. Our AI structures Schedule A and Schedule B sections with proper legal descriptions, organizes requirements logically, and categorizes exceptions clearly—delivering professional commitments ready for attorney review in minutes.
This workflow is applicable across multiple practice areas and use cases
Title commitments and ALTA policies are essential closing documents for residential real estate purchases, refinances, and sales transactions.
Residential real estate transactions require the same title commitment and policy documentation as commercial transactions, with identical ALTA compliance requirements and Schedule B exceptions.
Lenders require title commitments and policies to secure their interest in real property collateral for mortgage loans and secured financing transactions.
Title insurance policies are mandatory for most real estate-secured lending, protecting lender interests and ensuring proper lien priority in loan transactions.
M&A transactions involving companies with real property assets require title commitments for due diligence and to ensure clean transfer of property ownership.
Corporate acquisitions frequently include real estate holdings that require title insurance and commitment documentation to verify ownership and identify encumbrances during due diligence.
Title commitments reveal ownership chains, encumbrances, and exceptions that are critical evidence in boundary disputes, title defect claims, and quiet title actions.
Real estate litigators analyze title commitments and Schedule B exceptions to identify title defects, competing claims, and establish ownership rights in property disputes.
You'll need the title search results showing current ownership and any liens or encumbrances, the legal description from the most recent deed, transaction details including purchase price or loan amount, and the names of proposed insured parties. Optional documents like surveys, CC&Rs, and payoff statements help create more comprehensive commitments with specific exception language.
Yes, CaseMark follows current American Land Title Association (ALTA) standards and formats. The system structures commitments with proper Schedule A and Schedule B sections, includes standard exceptions, and organizes requirements according to industry best practices. All generated documents should be reviewed by qualified attorneys to ensure compliance with specific state requirements and company underwriting guidelines.
CaseMark organizes Schedule B, Part II exceptions into clear categories including standard exceptions (parties in possession, unrecorded easements, survey matters), specific recorded exceptions (CC&Rs, easements, liens), and special items like mineral rights or pending litigation. Each exception includes complete recording information and descriptive language that helps parties understand the scope of coverage limitations.
Yes, CaseMark adapts to various transaction types including owner's policies, loan policies, and leasehold policies. You can specify the policy type, coverage amount, and proposed insured parties. The system adjusts requirements and language accordingly, whether you're handling a purchase transaction, refinance, or commercial lease with title insurance.
Manual title commitment drafting typically requires 3-4 hours of attorney or paralegal time for document assembly, formatting, and quality control. CaseMark reduces this to approximately 8 minutes for document generation plus attorney review time, allowing you to deliver commitments the same day you receive title search results and accelerate your closing timeline significantly.