Saturday, March 11, 2017

query: difference between effective date and issued date on the title commitment

The title searcher (abstractor) will note a cover date on the title search.  This is the date through which the courthouse records are up to date in their system.  The abstractor can not go further in time than the records allow.  The cover date would be the effective date of the title commitment.  The date of issuance would be the date the commitment is issued by the agent.

For example, I may be examining a title search (abstract) today, March 11th, with a cover date of March 3rd. My effective date of the title commitment is March 3rd even though I am issuing the commitment today.

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