Rate Calculators & Net Sheets
Escrow (closing) charges are based on Unified/Stewart Title Company and Unified/Stewart Title Company of Northern Colorado rates currently in force and effective.
Unified/Stewart Title Company and Unified/Stewart Title Company of Northern Colorado are legally distinct companies with separate rate filings. Both companies close and insure transactions in all 64 Colorado counties.
Title insurance premium and endorsement charges are based on Westcor Land Title Insurance Company (Westcor”) rates currently in force and effective.
Though changes are relatively infrequent, escrow, title premium and endorsement charges are subject to change without notice.
The type of property (commercial, residential, vacant land) does NOT affect a basic rate title premium. However, endorsement charges and closing and settlement fees DO vary depending on property type.
The issuance of an owner and/or loan policy is predicated on the satisfaction of all requirements set forth in a commitment to insure title to the subject property, in addition to the payment of premium and endorsement charges (and escrow fees as applicable).
A premium charge generated by any calculator or net sheet is not a guarantee that Westcor (or any underwriter) will insure the subject property. All underwriters expressly reserve the right to NOT insure. Alternatively, an underwriter may limit (e.g., by policy exceptions) the scope of policy coverage.
An endorsement charge generated by any calculator or net sheet is not a guarantee that Westcor (or any underwriter) will endorse an owner or loan policy for the subject property. All underwriters expressly reserve the right to NOT issue a particular endorsement. Alternatively, an underwriter may make special requirements as a condition precedent to endorsement.
The accuracy of data generated by any calculator or net sheet depends on the accuracy of information supplied by the user.
Prior to confirmation by a licensed employee, rates generated by any calculator or net sheet should be considered ESTIMATES ONLY and are not binding on Unified/Stewart Title Company, Unified/Stewart Title Company of Northern Colorado, or any of their underwriters.
Contact a licensed employee –
- to confirm a rate or quote generated by a calculator or net sheet;
- to get a rate or quote for transaction amounts in excess of calculator or net sheet limits;
- to compare a Westcor rate, with the rate of one of our other underwriters;
- for additional information.
Different mortgage calculators will produce divergent results based on programming assumptions related to rounding, compounding and/or accrual.
With regard to CALCULATING A LOAN PAYOFF AMOUNT, a given calculator may not account for principal reductions, early or late payment penalties, or other fees.
With regard to PROJECTING LOAN PAYMENTS, a given calculator may not account for lender reserves (e.g., property taxes, hazard and flood insurance) that will affect the total payment amount.
Unified/Stewart Title Company and Unified/Stewart Title Company of Northern Colorado make no warranties or representations regarding the values produced by any mortgage calculator.
Users should consult with the user’s current lender or proposed lender for actual payoff or payment amounts. For questions regarding any mortgage calculator values, users should consult with an accounting professional or other appropriate counsel.
Forms available on the Unified/Stewart Title Company website are legal documents that can affect rights and interests in real property. The fixed content of the various forms is approved for use in transactions involving Colorado properties, provided such transactions are insured by Unified/Stewart Title Company, by and through one of its underwriters. Unified/Stewart Title Company makes no warranties or representations regarding the use of forms for any other purpose.
Users are wholly responsible for completion of the differentiated additions to forms, such as names and legal descriptions. Executing and recording a form with incorrect or incomplete information may result in the form being ineffective for its intended purpose.
If a user is unsure as to how to complete a form, or has any questions regarding a form’s content or effects, the user should consult with legal counsel.