What is a title commitment?

A commitment (known as a “prelim” in California) is the underwriter’s promise to issue an insurance policy. It contains all the information that will be included in the actual insurance policy, plus any items uncovered during the title search that need to be cured (curative items). The commitment can be updated throughout the curative process to reflect changes (e.g., loan amounts, updates in vesting, etc.) that are binding (except in California).