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[Music] hello and thank you for joining me today my name is Kim Thomason and today were going to go over how to read a title commitment a title commitment is a document that the insurer disclosed all parties connected to the real estate transaction to go over liens burdens or obligations that affect the subject property it lists all requirements that must be met before a title company can ensure a title as marketable or alone as having a certain priority marketable title is a title free from reasonable doubt or defect which can be readily sold or mortgaged it is the title that assures the purchaser quiet and peaceful enjoyment of the property yet marketable title may have certain encumbrances that a reasonable purchaser would be willing to accept this assurance of a title commitment by a title company provides a safe procedure for purchasers and lenders to close transactions before the actual title policies have been issued parts of the title commitment are very important to go over
