Fidelity National Title Colorado Buyer Guide

Our buyer guide contains helpful information on the home buying and closing process as it relates to title and escrow. Reach out to your Fidelity National Title sales rep with questions!

BUYER GUIDE Title, Escrow, and the Homebuying Process | Colorado

www.FNTColorado.com

TABLE OF CONTENTS

Committed to Excellence

Why Choose Fidelity

The Importance of Title Insurance

Your Real Estate Team

7 Reasons to Work with a REALTOR®

Preparing to Buy a Home

Closing Process Flow Chart

Who Typically Pays for What

Common Ways to Hold Title

General vs Special Warranty Deed

Property Monitoring from Fidelity National

Digital Earnest Money Deposit

Wire Fraud Safety

Signing Options

Tips for a Smooth Closing Day

Office Locations

Moving Checklist

Real Estate Terminology

Service Providers Guide

Notes

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COMMITTED TO EXCELLENCE Strength, Experience, Protection At Fidelity National Title of Colorado, we are committed to your successful transaction and to guiding you throughout the entire closing process. Fidelity National Title of Colorado is proud to be part of Fidelity National Financial, Inc. (NYSE: FNF) - ranked #313 on the 2025 Fortune 500® and the largest issuer of title insurance policies in the U.S. through our family of underwriters. With over 75 years in the Colorado title insurance industry and over 160 years nationwide, Fidelity National Title® offers you the financial strength, experience and protection needed to close your transactions with confidence and complete peace of mind. This guide has been prepared to give you an overview of the process involved during the sale or purchase of a property and also to explain the various roles that we will play in helping you as you move toward the closing of your home sale or purchase. We hope you find this information helpful in the process of a smooth and successful transaction. Please reach out to your escrow team with questions or feedback.

Trusted Everywhere, Everyday.

3 | © Fidelity National Title Company Colorado

www.FNTColorado.com

WHY CHOOSE FIDELITY NATIONAL TITLE Not all title companies are created equal. Here’s why you should choose Fidelity National Title Colorado.

Fidelity National Title is proud to be part of Fidelity National Financial, Inc. (NYSE: FNF) - ranked #313 on the 2025 Fortune 500®. We carry the highest level of Errors & Omissions insurance along with a Fidelity Bond/Computer Crime Policy insuring up to $15M per claim. Financial Strength

At Fidelity National, we’re focused on your success just as much as our own. By offering relevant classes, innovative farming technology, and creative print/digital marketing solutions, we provide the kind of expertise and partnership you need for a future of growth and success. Creative Marketing

Local Expertise

We’ve been serving Colorado for over 75 years with a team of profession- als whose average tenure is

more than 20 years - a testament to our deep

expertise and commitment to service. With 20 offices in CO and our state under- writer locally, we can make decisions quickly and serve your title needs statewide.

You and your clients have a choice in title, so why settle? Choose Fidelity National Title - where local expertise meets national strength. Contact us to find out more today!

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THE IMPORTANCE OF TITLE INSURANCE

Dollar for dollar, title insurance is the best investment you can make to protect your interest in one of the most valuable assets you own: your home.

• Title insurance protects property owners and lenders against legitimate or false title claims, ensuring the investment’s potential as a financial asset. • At Fidelity National Title, we assess, assemble, analyze, and distribute title information, as well as handle escrow and closing. • Title problems, found in over a third of residential transactions, must be resolved before closing. Common issues include existing liens, unpaid mortgages, and recording errors. • A homeowner’s title insurance policy protects the owner for as long as he and/or she has an interest in the property, with the premium paid only once at closing. • Title insurance insures against events before the policy is issued, unlike

other insurances that cover future events. It is loss prevention insurance. • Fidelity National Title conducts thorough record searches to identify and resolve defects before issuing a policy, minimizing claims and maximizing protection. • Researching titles is labor-inten- sive, with only 30% of public records computerized. The industry invests significant time and expense in this process, resulting in a low claims experience compared to other insurances. • Title insurance companies must file rates with the Colorado Division of Insurance. While consum- ers may seek the lowest rate, less expensive companies may lack the expert staff and resources needed for quality service.

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YOUR REAL ESTATE TEAM Key Players in a Real Estate Transaction

Listing Agent (Seller’s Agent) • Helps price and market the home.

• Lists the property on the MLS (Multiple Listing Service). • Represents the seller throughout the closing process. Selling Agent (Buyer’s Agent) • Searches for available homes. • Uses the MLS to find matching properties. • Helps with offers, negotiations, and paperwork. Lender / Mortgage Loan Officer

• Gets you pre-approved for a loan (if getting a loan) when buying a home. • Finds the best loan options and interest rates based on credit, financials, etc. Multiple Listing Services (MLS) • Online database of homes for sale accessible only to real estate agents. Title Company and Escrow Officer • Neutral 3rd party who facilitates the title and escrow closing process. • Search and examination of real property to ensure property is clear of any defects, liens, and/or other possible title issues prior to closing. • Your Escrow Officer will work with the mortgage loan officer and agents to facilitate the closing process including prep and signing of closing documents, disbursement of funds, and more.

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7 REASONS TO WORK WITH A REALTOR®

REALTORS® are members of the National Association of REALTORS® and subscribe to its strict Code of Ethics. When you’re buying a home, here’s what an agent who’s a REALTOR® can do for you. 1. ACT AS AN EXPERT GUIDE. Buying a home typically requires a variety of forms, reports, disclosures, and other legal and financial documents. A knowledgeable real estate agent will know what’s required in your market, helping you avoid delays and costly mistakes. Also, there’s a lot of jargon involved in a real estate transaction; you want to work with a professional who can speak the language. 2. OFFER OBJECTIVE INFORMATION AND OPINIONS. A great real estate agent will guide you through the home search with an unbiased eye, helping you meet your buying objectives while staying within your budget. Agents are also a great source when you have questions about local amenities, utilities, zoning rules, con- tractors, and more. 3. GIVE YOU EXPANDED SEARCH POWER. You want access to the full range of opportunities. Using a cooperative system called the multiple listing service, your agent can help you evaluate all active listings that meet your criteria, alert you to list- ings soon to come on the market, and provide data on recent sales. Your agent can also save you time by helping you winnow away properties that are still appearing on public sites but are no longer on the market. 4. STAND IN YOUR CORNER DURING NEGOTIATIONS. There are many factors up for discussion in any real estate transaction-from price to repairs to possession date. A real estate professional who’s representing you will look at the transaction from your perspective, helping you negotiate a purchase agreement that meets your needs and allows you to do due diligence before you’re bound to the purchase. 5. ENSURE AN UP-TO-DATE EXPERIENCE. Most people buy only a few homes in a lifetime, usually with quite a few years between purchases. Even if you’ve bought a home before, laws and regulations change. Real estate practitioners may handle hundreds or thousands of transactions over the course of their career. 6. BE YOUR ROCK DURING EMOTIONAL MOMENTS. A home is so much more than four walls and a roof. And for most buyers, a home is the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you stay focused on the issues most important to you when emotions threaten to sink an otherwise sound transaction. 7. PROVIDE FAIR AND ETHICAL TREATMENT. When you’re interviewing agents, ask if they’re a REALTOR®, a member of the National Association of REALTORS®. Every member must adhere to the REALTOR® Code of Ethics, which is based on professionalism, serving the interests of clients, and protecting the public.

“7 Reasons to Work with a Realtor®.” National Association of REALTORS® https://www.nar.realtor/magazine/tools/client-education/handouts-for- buyers/7-reasons-to-work-with-a-realtor. Accessed 23 Mar 2025.

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PREPARING TO BUY A HOME Steps in the Homebuying Process

ASSESS YOUR FINANCES Review your credit score, create a budget, and save for a down payment and closing costs. Ensure you have a stable income and low debt-to-income ratio. GET PRE-APPROVED FOR A MORTGAGE Research lenders and get pre-approved to de- termine how much you can borrow. This also shows sellers you are a serious buyer. RESEARCH THE MARKET Understand the housing market in your de- sired area, including average home prices and market trends. Identify neighborhoods that meet your needs. HIRE A REAL ESTATE AGENT Find an experienced agent who knows the local market and can help you navigate the buying process. START HOUSE HUNTING Visit open houses and schedule showings for homes that meet your criteria. Take notes and When you find the right home, work with your agent to make a competitive offer. Be pre- pared to negotiate with the seller. CONDUCT INSPECTIONS + APPRAISALS Hire a professional to inspect the home and ensure it’s in good condition. The lender will also require an appraisal to confirm the home’s value. CLOSE THE DEAL! Review and sign all necessary documents, and upon completion get the keys to your home! compare properties. MAKE AN OFFER

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CLOSING PROCESS FLOW CHART Steps from Contract to Close

TITLE COMPANY

BUYER + SELLER

LENDER

Contract Acceptance

Loan Application

Open Title and Escrow

Real Estate Agent or Buyer/Seller submits a signed contract and closing instructions to Fidelity National Title Company (FNTC).

Due Diligence

Loan Processing

Earnest Money Deposit

Inspection

Loan Approval

Deposited with the real estate office or title company and held in an escrow account on behalf of the buyer and seller.

Closing Disclosure Form (CDF)

Appraisal

Title Commitment

CDF Accepted

Thorough search and examination of all recorded documents is conducted and a title commitment is issued. Commitment will detail the requirements necessary to close the transaction, as well as any title restrictions and exceptions that pertain to the property.

Final Walk-Through

CONGRATULATIONS - IT’S CLOSING DAY!

Transaction Processing

FNTC obtains payoff from lien-holders (such as mortgage, property taxes, HOA, and final water). Coordinates new loan details from buyer’s lender.

Closing date is generally determined by the buyer and seller per the real estate purchase contract. All documents are signed by the buyer and seller and notarized by a Fidelity National Title Company agent or an approved notary. Ownership of the property is transferred to the buyer and Fidelity National Title Company disburses all funds. Congratulations!

Closing Disclosure Form (CDF)

FNTC and Lender will coordinate to compose the purchase’s closing disclosure form using the information collected during the processing stage.

Closing Disclosure Delivery

Lender or Title Agent will deliver the CDF to the purchaser for approval at least 3 business days prior to the closing date. Seller’s CDF or settlement statement will be provided to their agent for review.

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WHO TYPICALLY PAYS FOR WHAT Seller and Buyer Closing Costs

Closing costs are fees paid by the buyer and/or seller during the transfer of property ownership. While costs vary with each unique transaction and are often negotiated within the Contract to Buy and Sell real estate, this breakdown offers a general idea of what to expect. For more info, connect with your local title, escrow, attorney, or real estate professional.

Seller(s) Typically Pays for: • Owner’s title insurance premium • Owners Extended Coverage • Half of the bundled closing fee (per real estate contract) • Property tax proration (thru date of closing) • HOA/CIC docs (if applicable) • Unpaid HOA dues • Payoff of existing loan balance(s), any interest/fees/prepayment/reconvey- ence, misc fees for seller • Document release fee • Real estate commission (per real es- tate contract) • Water and sewer adjustments • Judgments, tax liens, etc filed against seller • Work orders (per real estate contract)

Buyer(s) Typically Pays for: • Half of the closing fee (per real estate contract) • HOA status letter, transfer, and dues from closing forward • Recording fees ($43 per doc) • Closing protection letter (CPL) • First year hazard insurance + reserves • Document preparation • Real estate commission (per real es- tate contract) • Lender’s title policy and endorse- ments (if applicable) • Any new loan charges, origination, in- terest, and misc lender fees for buyer’s new mortgage (if applicable) • Inspection and appraisal fees Information provided herein is a general sample and may not be specific to your unique transaction. For accurate costs, please contact your title and escrow agent, attorney, or real estate professional

10 | Colorado Buyer Guide

COMMON WAYS TO HOLD TITLE

TENANCY IN COMMON Each co-owner holds a separate, fractional interest in the undivided property. Upon death, a co-tenant’s interest passes to their estate, not to the surviving owners. In Colorado, tenancy in common is the default form unless otherwise stated. JOINT TENANCY WITH RIGHT OF SURVIVORSHIP Each joint tenant owns an undivided interest in the whole property. To create a joint tenancy with survivorship rights, the deed must include specific language showing this intent. SOLE AND SEPARATE PROPERTY Property acquired before marriage or through inheritance or gift during marriage is considered separate. To maintain sole ownership during marriage, a spouse must execute a disclaimer deed. CORPORATE ENTITIES Corporations, partnerships, and LLCs can hold title to real property if properly formed and in good standing. Because there can be legal and tax implications, consult an attorney before taking title through an entity.

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Special Warranty Deed vs. General Warranty Deed

Both deeds make you the full owner of the property. The difference is how far back in time the seller promises (Warrants) that the title is free and clear from all encumbrances, except as disclosed.

NARROWER PROMISE Special Warranty Deed The seller stands behind their years only

BROADER PROMISE General Warranty Deed The seller stands behind the full history

Covers only problems that came up while this seller owned the property If a problem traces back to an earlier owner , the seller is not responsible for it Common in commercial, investment, new construction and bank-owned sales

Covers problems from any point in the property's past , not just the seller's years The seller answers even for a mistake made decades ago , before they bought The most common deed in Colorado residential resales

Both deeds carry the same three promises under Colorado law: the seller owns the property and has the right to sell it, there are no hidden claims beyond those listed in your deed, and they will defend your ownership. Only that last promise narrows with a Special Warranty Deed.

Where you are most likely to receive a Special Warranty Deed

Bank-owned and foreclosure sales The lender never lived there and will not vouch for the years before foreclosure. Commercial and investment property Corporate sellers cap their exposure as a matter of policy.

New construction

Estate and trust sales

Government and municipal transfers Public agencies limit warranties to avoid long-term liability. Builders and developers limit their promise to the years they held the land.

An executor or heir cannot speak for decades they were never part of.

Investor-to-investor sales

Frequent in wholesale and distressed- asset transactions.

HOW TITLE INSURANCE CLOSES THE GAP A Special Warranty Deed leaves the property's earlier history outside the seller's promise. An owner's title insurance policy is what covers that stretch of time. Depending on your policy, it can:

Pay to defend your ownership if someone brings a claim against it Address old liens and judgments that were never properly released

Respond to title problems that began before the seller owned the property Cover forgery, fraud and unknown heirs in the property's past

Coverage is governed by the terms, conditions and exceptions of the policy issued. Your closer can walk you through exactly what yours covers.

WHAT THIS MEANS FOR YOU Either deed makes you the full owner - one is not a “lesser ˮ deed. The deed sets how far back the seller's promise reaches ; an owner's title insurance policy is what can cover the rest. Your purchase contract states which deed you will receive, so ask your agent before you sign.

QUESTIONS ON YOUR NEXT CLOSING? CONTACT YOUR FIDELITY NATIONAL TITLE SALES REPRESENTATIVE.

Fidelity National Title Colorado www.fntcolorado.com

12 | Colorado Buyer Guide

Provided for educational purposes only and not intended as legal advice. Deed selection and its consequences depend on the specific facts of each transaction. Statutory references are to C.R.S. 38-30-113 and 38-30-116.5.

Property Monitoring

Stay informed about your property — long after closing

What You’ll Receive • You’ll get email notifications if: ‣ Certain documents are recorded on your property, such as a lien or deed ‣ Your property is listed for sale on the MLS Why It Matters • Stay aware of changes related to your property • Spot unexpected activity early • Feel confident knowing you’re informed over time What to Expect • You’ll automatically be enrolled after closing • You’ll receive an introductory email within a month of closing • Alerts will be sent if activity is identified • You can opt out at any time A simple way to stay connected to your home After closing, most homeowners don’t have visibility into activity related to their property. Property Monitoring is a complimentary post-close service that helps keep you informed by sending email alerts when certain activity associated with your property is identified.

Good to Know Title insurance protects against

ownership issues arising before closing. Property Monitoring provides visibility after. Together, they help homeowners stay informed and act when it matters.

NO NEW ALERTS

No cost. No sign-up. No extra steps. This is a complimentary post-close service. There’s nothing you need to do to get started.

©2026 inHere, LLC This information is limited in scope. While this information is believed to be correct, Fidelity National Financial, Inc. makes no representations as to its accuracy, disclaims any warranties as to the information, assumes no duties to you or any third party, and assumes no liability for any loss occurring by reason of reliance on this information or otherwise.

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IMPORTANT WIRE FRAUD ALERT FOR HOME BUYERS

CAUTION! INQUIRE BEFORE YOU WIRE.

Borrowers are targets for wire fraud and many have lost hundreds of thousands of dollars because they simply relied on the wire instructions received via email. A fraudster will hack into a participant’s email account to obtain information about upcoming real estate transactions. After monitoring the account to determine the likely timing of a closing, the fraudster will send an email to the buyer purporting to be the escrow agent or another party to the transaction. The fraudulent email will contain new wiring instructions or routing information, and will request that the buyer send funds to a fraudulent account. We are urging everyone to INQUIRE BEFORE YOU WIRE and to never rely solely on email communication. Always follow these two simple steps:

When in doubt, always call our office or your title officer.

For the best in service, remember to always insist on

2 ESCROW NUMBER BROKER’S NAME/PHONE REALTOR’S NAME/PHONE TITLE COMPANY TITLE OFFICER’S NAME/PHONE 1

Obtain the phone number of your Real Estate Broker, Realtor®, Closing Attorney (if applicable) and your Escrow/ Title Officer as soon as an escrow is opened. Complete the information below and keep this flyer in your escrow folder. If you are reading this at one of our lobbies and you don’t have a copy of this flyer, simply ask the receptionist for a copy. Prior to wiring, call the phone number you wrote down from step #1 above to speak directly with your Escrow/Title Office to confirm wire instructions. If you receive a change in wiring instructions supposedly from anyone involved in the transaction, be suspicious, as we rarely change our wiring instructions.

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SIGNING OPTIONS When Closing with Fidelity, You Have Options!

In Office: Conducted in a Fidelity National Title office, this is the most traditional method and offers the expertise of a Fidelity employee as their representative. Remote Online Notarization (RON): A closing where documents are signed and notarized digitally and online via a secure platform. Mobile Notary: At the signer’s request, a Notary will meet them at a preferred location, and at a time convenient to the signer. Hybrid: Combining elements from a RON or digital closing and an in-person signing, some documents are signed electronically, while others are signed in person. Power of Attorney (POA): Authorization for a designated representative to sign documents on behalf of the buyer or seller, with notarization available in-person, remotely, or via mobile services, depending on jurisdiction and requirements. U.S. Embassy Notarization: For transactions involving international parties, notarization can be facilitated at a U.S. Embassy or Consulate, ensuring compliance with U.S. and local laws for overseas signings. Hague Convention Apostille: For real estate transactions in countries party to the Hague Convention, documents can be notarized and legalized with an apostille, certifying their authenticity for international use, available through Stewart Title’s specialized services.

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TIPS FOR A SMOOTH CLOSING DAY

You’ve made it through to the end, congrats! Let’s make sure you are prepared for closing day. Your escrow team and real estate agent will coordinate a closing date once documents are ready. Make sure you’re prepared by reading the below reminders and bringing the property identification. • Promptly complete and return escrow disclosure forms upon receipt (typically sent digitally) • OUT OF STATE? If yes, let your escrow team or agent know immediately to allow for enough time to deliver appropriate documents. • OUT OF THE COUNTRY? If yes, you must have all documents notarized at an American Consulate or Embassy. As an alternative, you may opt to appoint anoth- er individual as your attorney in fact. Let your agent and escrow team know. • Deposit the amount of funds requested by your escrow officer for closing. You will never receive wire instructions by email. Always verify wire instructions before closing day by calling your escrow team!

To help prevent fraud and ensure a smooth transaction, state notary laws and title company policies require specific forms of identification at closing. Not having the correct, valid ID can delay your closing.

Acceptable Forms of Identification: • Valid, government-issued photo ID such as driver’s license or state identification card

• United States passport • United States military ID

The name on your ID must also match the name on your closing documents. If your name has recently changed or will change before closing, you’ll need to provide supporting documents. If you’re unsure whether your ID will be accepted, check with your real estate agent or escrow team right away.

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OFFICE LOCATIONS 20 Locations Across Colorado

Corporate Office | 4643 S. Ulster Street, Suite 1150 | Denver, CO 80237 | 303-220-9999

288 Main Street, Suite 1 | P.O. Box 331 Bailey , CO 80421 303-838-4417 4875 Pearl East Circle, Suite 300 Boulder , CO 80301 303-440-0511

7017 W. 10th Street, Suite 102 Greeley , CO 80634 970-324-2170 630 Plaza Drive, Suite 220 Highlands Ranch , CO 80129 303-264-3870

804 Main Street Canon City , CO 81212 719-275-3304

7125 W. Jefferson Avenue, Suite 160 Lakewood , CO 80235 303-986-7940 655 S. Sunset Street, Suite A Longmont , CO 80501 303-485-0076 2114 N. Lincoln Avenue, Suite 106 Loveland , CO 80538 970-663-6600 1521 Oxbow Drive, Suite 200 Montrose , CO 81401 970-252-0160 19751 E. Mainstreet, Suite R14 Parker , CO 80138 303-841-6982 1207 Pueblo Blvd Way, Suite A Pueblo , CO 81005 719-544-0837 12000 N Pecos Street, Suite 130 Westminster , CO 80234 303-452-2989 361 W. US Highway 24, Suite 100 P.O. Box 769 (80866) Woodland Park , CO 80863 719-687-3081

1755 Telstar Drive, 101 Colorado Springs , CO 80920 719-590-1711

26719 Pleasant Park Road, Suite 130 Conifer , CO 80433 (By Appointment Only) 303-838-2115 3773 Cherry Creek Drive N, Suite 800 Denver , CO 80209 (West Tower) 303-321-2212

4643 S. Ulster Street, Suite 1150 Denver , CO 80237 303-889-8200

295 Fifth Street, Suite 1 | P.O. Box 1543 Fairplay , CO 80440 719-836-0645 3500 John F. Kennedy Pkwy, Suite 100 Fort Collins , CO 80525 970-212-7750

480 W. Park Drive, Suite 200 Grand Junction , CO 81505 970-245-1055

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MOVING CHECKLIST Organize Your Move with Our Checklist

UTILITIES Electric Gas

GOVERNMENT

Post Office (www.USPS.com) Voter Registration IRS

Water/Sewer

Cable Internet Garbage/Recycle

Dept of Motor Vehicles Veterans Affairs

FINANCIALS

Phone(s)

Banks/Credit Unions Credit Cards Charities

FAMILY/PERSONAL

Employer/Benefits/401k Schools and Alumni Associations Schools/Children’s Organizations Relatives, Friends, Businesses Child Care/Day Care Clubs (Athletic, Misc)

Finance Companies (Misc) Financial Advisor/Investments

NOTES

New Address: _____________________________________ _____________________________________ Closing Date: _______________________ Moving Date: _______________________ Moving Company #: ________________ _____________________________________ _____________________________________ _____________________________________ _____________________________________ _____________________________________

Newspaper/Magazines

Physician Records/Prescriptions

INSURANCE Life Health Auto Fire PETS

Consult Vet about move Check for licenses, vaccines, tags, etc in new city Transfer pet records

REAL ESTATE TERMINOLOGY Glossary of Commonly Used Words

1031 EXCHANGE

A 1031 exchange is a method enabling property owners to trade an investment property for another investment property (or proper- ties) without paying capital gains taxes on the transaction.

ANNUAL PERCENTAGE RATE (APR)

The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.

APPRAISAL

A report highlighting the estimated value of the property com- pleted by a qualified 3rd party. this is typically done for the benefit of the buyer’s lender to ensure the property is worth the purchase price. In addition to a mortgage, certain housing communities such as townhomes or condos have a monthly fee associated with main- taining the common areas and amenities. A Closing Disclosure form or CD provides disclosures that will be helpful to borrowers in understanding all of the costs of the loan and transaction. This form will be given to the consumer at least three (3) business days prior to the date of closing. When the new title to the property is recorded by the County Recorer’s Office and ownership of the property transfers to the new buyer.

ASSOCIATION FEE/ HOA FEE

CLOSING DISCLOSURE (CD)

CLOSING OR SETTLEMENT

CLOSING COSTS

The buyers and seller have expenses associated with the transac- tion other than that of the actua I cost of the home.

COMMISSION

A percent of the sale price of the home that is paid to agents. The seller pays commission to both the buyer and the listing agent.

COMPARABLES

Homes in the area of interest that have recently sold that have similar features.

CONTINGENCIES

Conditions which must be met in order to close. Contingencies are typically tied to a date, referred to as a deadline. If the contingency is not satisfied the contract may be cancelled.

20 | Colorado Buyer Guide

REAL ESTATE TERMINOLOGY Continued

DEED OF TRUST

An instrument conveying a security interest to the public trustee of the county in which the borrower agrees to pay the debt or obli- gation of a promissory note. The deposit made from the buyer to the seller when submitting an offer. This deposit is typically held in a trust by a third party. Upon closing, the money will generally be applied to the down payment or closing costs. Created by grant or agreement for a specific purpose, such as an electrical line by a power company, or a shared driveway. An ease- ment is the right, privilege or interest which one party has in the land of another. A claim, right, or lien upon the title to real estate, held by someone other than the real estate owner. Addition to or modification to a part of the insurance policy, ex- panding or limiting coverage. The deposit of instruments and funds with instructions to a third neutral party (the escrow) to carry out the provisions of an agree- ment or contract. A mortgage that is financed through a private lender and insured by the Federal Housing Administration, often requiring a lower down payment and income to. A liability of real estate as security for payment of a debt. Examples of this are a mortgage or a mechanics lien. The instrument by which real property is pledged as security for repayment of a loan. A policy of title insurance that typically insures an owner of real estate against loss by defects in, liens against, or unmarketability of the owner’s title. A legal and written instrument authorizing one to act as another’s agent or attorney, sometimes called an “Attorney-in-Fact.”

EARNEST MONEY

EASEMENT

ENCUMBRANCE

ENDORSEMENT

ESCROW

FHA

LIEN

MORTGAGE

OWNER’S POLICY

POWER OF ATTORNEY

TITLE

A legal document proving current and proper ownership of the property. Also referred to as a Title Deed, this document highlights the history of the property ownership and transfers.

SERVICE PROVIDERS GUIDE Helpful Contacts During Your Move

CABLE / INTERNET Centurylink Xfinity DirectTV Dish Longmont Fiber Fort Collins Connexion Starlink Quantum Fiber Spectrum Clearnetworx Delta TRASH / RECYCLE Waste Management Waste Connections Republic Services Apex Waste Solutions 5280 Waste Solutions Western Disposal Mountain High Disposal Longmont Waste Mountain View Waste A-Affordable (Pueblo) Grand Junction Waste Montrose Xcel Energy City of Fort Collins Core (for rural areas) Black Hills Energy United Power AmeriGas Propane GAS / ELECTRIC

Centurylink.com xfinity.com direcTV.com

800.491.0118 800.266.2278 800.531.5000 888.686.2388 303.774.4494 970.207.7870 800.517.0775 855.860.9068 970.240.6600 866.513.1811 844.708.7274 303.286.1200 303.841.7144 720.884.0300 303.444.2037 970.834.1144 303.651.8416 303.838.0560 719.542.8757 866.749.6476 970.240.1400 800.895.4999 970.221.6710 800.332.9540 888.890.5554 303.637.1300 303.674.3321

DishNetwork.com mynextlight.com fcconnexion.com starlink.com/residential quantumfiber.com spectrum.com clearnetworx.com wm.com wasteconnections.com republicservices.com apexwasteco.com 5280waste.com westerndisposal.com mountainhighdisposal.com longmontcolorado.gov mountainviewwaste.com a-affordabledisposal.com gjcity.org cityofmontrose.org

XcelEnergy.com fcgov.com/utilities Core.coop blackhlilsenergy.com UnitedPower.com Amerigas.com

22 | Colorado Buyer Guide

SERVICE PROVIDERS GUIDE Continued

WATER / SEWER Arvada Aurora Bailey

WATER / SEWER (CONT)

720.898.7760 303.739.7370 303.838.8184 303.644.3249 303.441.3260 303.655.2009 303.443.6319 719.269.9015 303.688.8550 720.733.6000 303.791.0430 303.755.4474 719.448.4800 303.288.2646 303.838.1800 303.833.2317 970.874.7913 303.893.2444 303.762.2635 303.926.2700 303.674.4112 719.836.2445

Federal Heights Firestone Fort Collins Fort Lupton Frederick Grand Junction Greeley Highlands Ranch Lakewood Littleton Lochbuie Longmont

303.428.3526 303.833.3291 970.221.6700 303.857.6694 720.382.5500 970.244.1579 970.350.9811 303.791.0430 303.238.0451 303.795.3751 303.990.5328 303.651.8664 303.335.4501 970.240.1400 303.985.7895 303.450.8770 303.841.4627 719.584.0250 303.538.7370 303.658.2405 303.424.2844 719.686.9680

Bennett Boulder Brighton

Broomfield Canon City Castle Pines Castle Rock Centennial Cherry Creek Colorado Springs Commerce City

Louisville Montrose Morrison Northglenn

Conifer Dacono Delta Denver Englewood Erie Evergreen Fairplay

Parker Pueblo Thornton

Westminster Wheat Ridge Woodland Park

DMV / MOTOR VEHICLE www.mydmv.colorado.gov www.colorado.gov/pacific/dmv/titling-vehicle

POST OFFICE www.moversguide.usps.com

NOTES

24 | Colorado Buyer Guide

NOTES

www.FNTColorado.com

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