{"id":10735,"date":"2019-01-25T18:25:43","date_gmt":"2019-01-26T01:25:43","guid":{"rendered":"https:\/\/nexsteprealestate.com\/?p=10735"},"modified":"2019-01-26T16:07:09","modified_gmt":"2019-01-26T23:07:09","slug":"should-your-buyer-check-the-general-warranty-deed-box","status":"publish","type":"post","link":"https:\/\/nexsteprealestate.com\/should-your-buyer-check-the-general-warranty-deed-box\/","title":{"rendered":"Should Your Buyer Check The \u201cGeneral Warranty Deed\u201d Box?"},"content":{"rendered":"
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The 2019 Contract forms default to \u201cSpecial Warranty Deed\u201d as the deed type. \u00a0As the buyer, would you want a \u201cGeneral Warranty Deed? What\u2019s the difference?<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Three Common Types of Deeds<\/h2>\n<\/div>\n<\/div>\n
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Colorado recognizes several types of deeds to transfer real property. I\u2019m going to discuss the three most common types: General Warranty Deed, Special Warranty Deed, and Quit Claim Deed. Just from the names, you might guess that a buyer would probably want something with the word \u201cwarranty\u201d in the title. Warranty sounds a lot better than \u201cQuit.\u201d Nobody likes a quitter. But which is better for the buyer, a \u201cspecial\u201d warranty or a \u201cgeneral\u201d warranty. Although receiving something \u201cspecial\u201d might sound better, in the case of a buyer of real property you probably want a \u201cgeneral\u201d warranty.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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General Warranty Deed<\/h2>\n<\/div>\n<\/div>\n
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The form of general warranty is actually dictated by the Colorado legislature at C.R.S. 38-30-115. In substance, it\u2019s a transfer by the grantor that promises three things (1) that the grantor is the owner with full power to sell, (2) that the property is transferred free and clear of encumbrances (except those identified), and (3) that the grantor will defend title against anyone claiming an interest in the property. The third promise is what differentiates a general warranty deed from a special warranty deed.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Special Warranty Deed<\/h2>\n<\/div>\n<\/div>\n
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With a general warranty deed the warranty language states \u201cand warrants title to the same.\u201d This means that the warranty of title is going way back in time to people who might claim an interest in title before the seller bought the property. \u00a0With a special warranty deed, the language is changed to \u201cand warrants title to all persons claiming under me. This \u201cunder me\u201d part means that the warranty is limited to claims against title during the time the seller owned the property, and not before.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Wouldn\u2019t it be nice if the special warranty form simply said, \u201c this warranty is limited to claims related only to when I held title\u201d? Oh, but that would be too easy. We used to say in law school that we were learning to be interpreters of a different language. The phrase \u201cunder me\u201d in the special warranty deed is the perfect example.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Quit Claim Deed<\/h2>\n<\/div>\n<\/div>\n
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By contrast to a warranty deed, a quitclaim deed warrants nothing. Instead of the magic words \u201csell and convey\u201d a quitclaim deed uses the words \u201csell and quitclaim.\u201d A quitclaim deed also contains no warranty language. The legal effect is that a quitclaim deed simply transfers whatever interest the grantor has in the property. That interest may be something, but if it turns out to be nothing the grantor is not on the hook to defend title.<\/p>\n

Special thanks to First Alliance Title for putting this info together for us to share!<\/em><\/strong><\/pre>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
The form of general warranty is actually dictated by the Colorado legislature at C.R.S. 38-30-115. In substance, it\u2019s a transfer by the grantor that promises three things (1) that the grantor is the owner with full power to sell, (2) that the property is transferred free and clear of encumbrances (except those identified), and (3) that the grantor will defend title against anyone claiming an interest in the property. The third promise is what differentiates a general warranty deed from a special warranty deed.<\/p>\n","protected":false},"author":7,"featured_media":10737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"sfsi_plus_gutenberg_text_before_share":"","sfsi_plus_gutenberg_show_text_before_share":"","sfsi_plus_gutenberg_icon_type":"","sfsi_plus_gutenberg_icon_alignemt":"","sfsi_plus_gutenburg_max_per_row":"","footnotes":""},"categories":[34,51],"tags":[],"class_list":["post-10735","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-ryan-sondrup"],"yoast_head":"\nShould Your Buyer Check The \u201cGeneral Warranty Deed\u201d Box? - NeXstep Real Estate Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nexsteprealestate.com\/should-your-buyer-check-the-general-warranty-deed-box\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should Your Buyer Check The \u201cGeneral Warranty Deed\u201d Box? - NeXstep Real Estate Group\" \/>\n<meta property=\"og:description\" content=\"The form of general warranty is actually dictated by the Colorado legislature at C.R.S. 38-30-115. 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