Looking for
Creative Title
& Escrow?
Creative Title Company is your local title & escrow specialist for creative finance real estate — subto, wraps, seller finance, and novation closings done right. Now serving Colorado and Tennessee.
Your State Deserves a Local Specialist
Nationwide title companies handle creative finance. But local expertise, real county relationships, and in-state accountability aren't things that scale across 43 states.
| What Matters | Creative Title Co | Nationwide Companies |
|---|---|---|
| Geography | Colorado & Tennessee specialists | 40+ states, distributed teams |
| Local Knowledge | Every CO & TN county recorder, by name | Standardized national process |
| Response Time | Same-day file response | Variable by state & team |
| Team Structure | One dedicated team, every closing | Network of contractors / shared queues |
| Creative Finance Focus | Investor-first from day one | Creative + traditional, one-size-fits-most |
| Pricing | $5 O&E · $500 flat-fee escrow | Varies by market & deal type |
Every Creative Finance Deal Type. Done Clean.
We built our process around the deals other title companies fumble. If it's creative, we've closed it.
Subject-To (Subto)
Existing mortgage stays in place. We handle the title transfer, due-on-sale acknowledgments, and close it clean without spooking the lender.
Seller Finance & Wraps
Land contracts, all-inclusive deeds of trust, wraparound mortgages — documented correctly so both buyer and seller are protected from day one.
Novation Agreements
Contract substitutions that need precision. We know the nuance, so your creative exit strategy doesn't get killed in title.
Double Close
A-to-B and B-to-C same-day closings. We coordinate both legs simultaneously so nothing slips between transactions.
Assignment of Contract
Wholesale assignments handled efficiently. $5 O&E reports, fast turnaround, and clean documentation through closing.
Escrow-Only
Need closing services without a full title search? Our $500 flat-fee escrow-only service keeps your deal moving without unnecessary cost.
From Contract to Closing in 4 Steps
No phone tag, no chase calls, no opaque queues. Submit your file and we move — here's exactly what happens after you hit send.
Submit Online
Upload your contract through our order form. Takes about three minutes.
~3 minSame-Day Acknowledgment
Our team confirms receipt and opens your file the same business day. You'll know who's handling it within hours.
Day 1Title Search & Prep
We pull title, draft documents, and coordinate with all parties. Creative structures handled correctly from the first draft.
3–7 daysClean Close
Sign, record, fund. We send wires, file documents with the county, and deliver your closing package. Done.
Closing dayBuilt for Investors. Not for Everyone.
Most title companies are built for traditional residential transactions. We built ours around the investor community — and it shows in every deal we touch.
CO & TN Licensed & Local
We operate in Colorado and Tennessee — meaning we know every county recorder, every local nuance, and every edge case that a national company would miss.
Same-Day Response
Real estate moves fast. When you submit a file, you hear back the same day — not the same week. We match your pace.
Creative Finance Expertise
Subto, wraps, seller finance, novations — these are our specialty, not the exception. Our team has seen every creative structure and knows how to close it properly.
Transparent Flat-Rate Pricing
$5 O&E reports. $500 flat-fee escrow-only. No surprises, no hidden fees. You know your cost before you submit.
Submit Online, Close Fast
No phone tag to open escrow. Submit your contract online and our team picks it up the same day. Built for efficiency.
One Team, Every Deal
You get the same team on every transaction — not a distributed contractor network where each deal starts from scratch.
The Risks That Kill Creative Deals
A traditional title company can sink a creative deal by treating it like a conventional one. Here are the three issues we see kill more closings than any others — and how we handle them differently.
The Due-on-Sale Trap
Most subto deals get killed when the title company files the deed without considering how the lender will react. Notice triggers calls. Calls trigger acceleration.
Wrap Disclosure Gaps
Wraparound mortgages need specific disclosures and recording sequences to be legally enforceable in CO and TN. Miss them and your wrap can be challenged years later.
Novation Documentation
Most title companies refuse to close novations because they don't understand the substitution mechanics. The ones that do try often produce documents that don't release the original party.
Closing Throughout Colorado & Tennessee
From the Front Range to the Smoky Mountains — if your deal is in CO or TN, we can close it. Licensed statewide in both with local knowledge of every county recorder and recording process.
Frequently Asked Questions
Are you Creative Title & Escrow?
We're Creative Title Company — a title & escrow firm specializing in creative finance closings in Colorado and Tennessee. If you were searching for a nationwide company, we may still be the better fit for your CO or TN deal. We're local, faster on response, and our entire team is in-state. Have a CO or TN deal? Submit it here.
What states do you operate in?
Creative Title Company is licensed in Colorado and Tennessee. We close creative finance transactions statewide in both — all 64 counties in CO and all 95 counties in TN. If your property is in either state, we can handle the close.
What types of deals do you close?
We close subject-to (subto), wraparound mortgages, seller finance / land contracts, novation agreements, double closes, assignment of contract, and escrow-only transactions. If it involves creative finance in Colorado or Tennessee, we've almost certainly closed it before.
What does "creative title and escrow" mean?
Creative title and escrow refers to closing services built for non-traditional real estate financing — transactions where the buyer isn't getting a conventional bank loan. This includes subject-to deals, seller-financed transactions, wraps, and novations. These require a title company that understands the structure and can close without slowing you down.
How fast is your turnaround?
Same-day response on every file submitted. In creative finance, timing is often the difference between a deal closing and falling apart. Our process is built for speed without cutting corners on accuracy.
How do I submit a deal?
Submit your contract online through our order page. Fill in the deal details, upload your contract, and our team picks it up the same business day. No phone calls needed to open escrow — just submit and we're on it.
What does it cost?
O&E (Owner & Encumbrance) reports are $5. Escrow-only service is a $500 flat fee. Full title and escrow pricing is quoted per deal — no hidden charges, no surprises. You'll know your costs before committing.
Ready to Close Your Next Deal?
Submit your contract online. Same-day response. Licensed in Colorado & Tennessee, built for creative finance from day one.