Simplified Closing Fees & Title Rates

Effective February 1, 2010, First Colorado Title will only accept Wire Transfers

Closing, Courier, Document & Recording Fees

Closing fees include E-doc fee, notary fee & wire fee

Full Service Real Estate Sale Closing	$230
First Loan Closing	$275
Simultaneous Loan Closing	$225
Prepare HUD and disburse only	$200
For Sale By Owner (FSBO) Closing	$230
Commercial Closing (minimum fee)	$250
Express Delivery fee (per package)	$25
City Tax Certificate	$25
County Tax Certificate	$10
Recording Fee - 1st Page	$6
Recording Fee - each additional page	$5

Bundled Residential Loan Rates

Bundled Rates include one County Tax Certificate, and the following endorsements:
100, 8.1, Mineral, Condominium or PUD, 116 (location), and either a Balloon or Arm Endorsement

Loan		Loan		Loan		Loan
Amount	Rate	Amount	Rate	Amount	Rate	Amount	Rate

50,000	525	450,000	955	800,000	1,355	1,200,000	1,855
100,000	525	500,000	955	850,000	1,355	1,250,000	1,855
150,000	605	550,000	1,105	900,000	1,355	1,300,000	1,855
200,000	655	600,000	1,105	950,000	1,355	1,350,000	1,855
250,000	755	650,000	1,105	1,000,000	1,355	1,400,000	1,855
300,000	755	700,000	1,105	1,050,000	1,855	1,450,000	1,855
350,000	855	750,000	1,105	1,100,000	1,855	1,500,000	1,855
400,000	855			1,150,000	1,855

Residential Loan Rates

The Residential Loan Rate does not include any tax certificates or endorsements

Loan		Loan		Loan		Loan
Amount	Rate	Amount	Rate	Amount	Rate	Amount	Rate

50,000	295	450,000	653	800,000	963	1,200,000	1,304
100,000	325	500,000	700	850,000	1,007	1,250,000	1,346
150,000	376	550,000	744	900,000	1,051	1,300,000	1,387
200,000	422	600,000	788	950,000	1,094	1,350,000	1,428
250,000	468	650,000	832	1,000,000	1,138	1,400,000	1,469
300,000	515	700,000	876	1,050,000	1,181	1,450,000	1,511
350,000	561	750,000	919	1,100,000	1,222	1,500,000	1,552
400,000	607			1,150,000	1,263

Basic Rates

The Basic Title Insurance Rate is applied when no discounts are available to a given transaction
and does not include any tax certificates or endorsements

Insurance	Basic	Insurance	Basic	Insurance	Basic	Insurance	Basic
Amount	Rate	Amount	Rate	Amount	Rate	Amount	Rate

100,000	735	325,000	1,151	550,000	1,563	775,000	1,957
105,000	744	330,000	1,161	555,000	1,572	780,000	1,965
110,000	754	335,000	1,170	560,000	1,580	785,000	1,974
115,000	763	340,000	1,179	565,000	1,589	790,000	1,983
120,000	772	345,000	1,188	570,000	1,598	795,000	1,992
125,000	781	350,000	1,198	575,000	1,607	800,000	2,000
130,000	791	355,000	1,207	580,000	1,615	805,000	2,009
135,000	800	360,000	1,216	585,000	1,624	810,000	2,018
140,000	809	365,000	1,225	590,000	1,633	815,000	2,027
145,000	818	370,000	1,235	595,000	1,642	820,000	2,035
150,000	828	375,000	1,244	600,000	1,650	825,000	2,044
155,000	837	380,000	1,253	605,000	1,659	830,000	2,053
160,000	846	385,000	1,262	610,000	1,668	835,000	2,062
165,000	855	390,000	1,272	615,000	1,677	840,000	2,070
170,000	865	395,000	1,281	620,000	1,685	845,000	2,079
175,000	874	400,000	1,290	625,000	1,694	850,000	2,088
180,000	883	405,000	1,299	630,000	1,703	855,000	2,097
185,000	892	410,000	1,309	635,000	1,712	860,000	2,105
190,000	902	415,000	1,318	640,000	1,720	865,000	2,114
195,000	911	420,000	1,327	645,000	1,729	870,000	2,123
200,000	920	425,000	1,336	650,000	1,738	875,000	2,132
205,000	929	430,000	1,346	655,000	1,747	880,000	2,140
210,000	939	435,000	1,355	660,000	1,755	885,000	2,149
215,000	948	440,000	1,364	665,000	1,764	890,000	2,158
220,000	957	445,000	1,373	670,000	1,773	895,000	2,167
225,000	966	450,000	1,383	675,000	1,782	900,000	2,175
230,000	976	455,000	1,392	680,000	1,790	905,000	2,184
235,000	985	460,000	1,401	685,000	1,799	910,000	2,193
240,000	994	465,000	1,410	690,000	1,808	915,000	2,202
245,000	1,003	470,000	1,420	695,000	1,817	920,000	2,210
250,000	1,013	475,000	1,429	700,000	1,825	925,000	2,219
255,000	1,022	480,000	1,438	705,000	1,834	930,000	2,228
260,000	1,031	485,000	1,447	710,000	1,843	935,000	2,237
265,000	1,040	490,000	1,457	715,000	1,852	940,000	2,245
270,000	1,050	495,000	1,466	720,000	1,860	945,000	2,254
275,000	1,059	500,000	1,475	725,000	1,869	950,000	2,263
280,000	1,068	505,000	1,484	730,000	1,878	955,000	2,272
285,000	1,077	510,000	1,493	735,000	1,887	960,000	2,280
290,000	1,087	515,000	1,502	740,000	1,895	965,000	2,289
295,000	1,096	520,000	1,510	745,000	1,904	970,000	2,298
300,000	1,105	525,000	1,519	750,000	1,913	975,000	2,307
305,000	1,114	530,000	1,528	755,000	1,922	980,000	2,315
310,000	1,124	535,000	1,537	760,000	1,930	985,000	2,324
315,000	1,133	540,000	1,545	765,000	1,939	990,000	2,333
320,000	1,142	545,000	1,554	770,000	1,948	995,000	2,342

The Basic Rate for $1,000,000.00 of coverage is $2,350
Over $1,000,000.00 up to $3,000,000.00…add $1.65 per 1,000.00 of coverage
Over $3,000,000.00 up to $5,000,000.00…add $1.55 per 1,000.00 of coverage
Over $5,000,000.00 up to $8,000,000.00…add $1.45 per 1,000.00 of coverage
Over $8,000,000.00 up to $10,000,000.00…add $1.35 per 1,000.00 of coverage
Over $10,000,000.00 up to $50,000,000.00…add $1.20 per 1,000.00 of coverage
For Liabilities above the designated increments, the next increment will be used
All calculated odd dollar amounts will be rounded up to the next dollar
For insured amounts greater than $500,000, premiums increment every $1,000

Description of all Title Rates and Discounts

Short Term Rate	When a policy is ordered within 5 years of the policy date of a prior Owners or Loan Policy, the Short Term Rate applies to Owners and/or Loan Policies. The discount is between 15% and 45% and will depend upon the age of the prior policy.
Residential Loan Rate	The Residential Refinance Loan Rate is 55% of the Basic Rate and applies to Loan Policies when a prior Owners or Loan Policy exists.
Bundled Residential Loan Rate	The Residential Bundled Loan Rate is a discounted rate and applies to Loan Policies where the lender desires a bundled product including the Loan Policy, a tax certificiate, the following Endorsement forms: 100, 8.1, 115.1 or 115.2, 116, 100.29 or 100.30 and one of the following Endorsement forms: 110.7, 110.8, 110.9 or 111.9.
Builder/Developer Rate	The Builder/Developer Rate is 50% of the Basic Rate for residential properties and 50% of the Basic Rate for non-residential properties. This rate applies only to Owners Policies and only to a “Builder/Developer” who is engaged in the business of acquiring, selling, building, subdividing and/or developing real estate including metes & bounds tracts, lots, blocks, subdivisions, planned unit developments and condominiums.
Concurrently Issued Policy Rate	When one or more Loan Policy(ies) are issued concurrently with an Owners Policy covering identical property, the Concurrently Issued Policy Rate is $125.00 per each concurrently issued Loan Policy so long as the total insured amount in the aggregate of all Loan Policies does not exceed the insured amount of the Owners Policy. The rate for any insured amount greater than that of the Owners Policy will be calculated from the applicable Schedule of Rates. For Residential Refinance transactions, the rate for a second Loan Policy will be $125.00 so long as the second loan amount does not exceed 25% of the first loan amount.
Issuance of Policies	The conditions of the title commitment require that the premium and charges be paid prior to the issuance of the title policy. Therefore, no policy will be issued until the charges have been remitted to the issuing agent. Furthermore, the conditions of the title commitment state that the requirements under Schedule B - Section 1 be complied with before the final policy is issued or that those items not complied with be reflected as an exception on the final policy if said policy can be and is issued.

All Rates and Fees are subject to change without notice.