Welcome to Northern Colorado Title!
Northern Colorado Title Services Co., Inc. began serving Morgan County in 1993, providing the real estate market and lenders with title insurance, closing services, foreclosure guarantees and ownership & encumbrance reports. We have the only complete title plant available in Morgan County, with county records available back to Patent.
Northern Colorado Title is staffed with friendly and reliable professionals who have over 50 years combined experience in the title industry, and are dedicated to making your next real estate transaction a smooth and successful one.
What is Title Insurance?
When a house, building or other property is bought and sold, all the parties involved want to be sure the “title” or transfer of ownership is clear. Title insurance protects the owner and the lender against loss arising from problems connected to the title to the property.
Over the years, a home -- and the land it stands on -- may go through several ownership changes. The “chain of title” describes the history of ownership, with each person or entity listed who owned the land and/or building at some point in time.
However, there can be unexpected problems in that chain that could emerge to cause trouble. For example, there may be unpaid real estate taxes or other liens. When title was transferred, someone may have forged a signature, or written a property description improperly. Title insurance covers the insured party for any claims and legal fees that arise out of such problems.