After providing enjoyment and safety, your home is a low-risk means of securing your financial future. Make sure your investment is not diminished by risks you should have known about before you bought.


Avoid the heartbreak of investing in a home with legal risks you didn’t know existed. Find out what County Recorder’s documents say about your parcel. Know what to disclose upon sale. Find out what title insurance doesn’t cover. Arm yourself with valuable information and secure your investment.

What is TIER?

TIER (Title Insurance Exceptions Review®) analyzes public County Recorder’s documents that represent exceptions to title insurance coverage. Exceptions documents represent potentially problematic, expensive, or irreconcilable issues regarding a parcel’s use, insurability, and financing. TIER delivers a legal opinion of your parcel’s exceptions documents, targeting issues of use, financing, and insurability.  

Types of documents reviewed:

  • Covenants, Conditions & Restrictions (CC&Rs)
  • Deeds
  • Easements
  • Judgments
  • Plats
  • Record of Surveys
  • Road Agreements
  • Septic Agreements
  • Tax Liens
  • Water Agreements

Who uses TIER?

  • Buyers and sellers of acreage
  • Buyers of auctioned properties
  • Cash Buyers
  • Court-Appointed Officers
  • Estate Executors
  • FSBOs
  • Investors
  • Probate 

  • Know what title insurance won’t cover
  • Know the legal risks of a parcel before close of escrow
  • Negotiate terms that address the public record
  • Negotiate price reflecting defects of the public record
  • Substantiate market value prior to listing

Buyer Beware

Because exceptions documents are a matter of public record, the law assumes buyers know and understand their effect on a parcel’s use, insurability, and financing. 

What is The GREEN Light System®?

At Timely Contract®, we believe your home should be as safe for investment purposes as it is for your enjoyment and  safety. This is where The GREEN Light System steps in.

The GREEN Light System is an intuitive system that assesses the legal risk of a parcel, risk the law assumes you understand

One of three risk assessments is assigned to every TIER:

GREEN Light: Public-record documents indicate parcel is ready for sale or purchase.

YELLOW Light: Public-record documents indicate potential use, title, or lending weakness that affects market value.

RED Light: Public-record documents indicate defects requiring legal work before close of escrow.

GREEN Light Certified℠

Qualifying your parcel as GREEN Light Certified is like purchasing insurance: Once you need it, it’s too late: You’ll pay, one way or the other, if it’s available at all.

All things being equal, GREEN Light Certified parcels:

  • Reduce risk
  • Command a higher market price
  • Are more likely to close
What does it cost?

The cost of TIER depends on whether the parcel tests GREEN, YELLOW, or RED:

Assessment Cost Description
GREEN $1000 Public record ready for market
YELLOW $1250 Public record indicates weakness, but not significant risk
RED $1500 Significant risk; public record indicates defects

Advance Fee is $1500 per parcel.

Applicable refunds will be initiated the next business day after completion of TIER.

Contingent Refund Schedule

Assessment Refund 
GREEN   $500
YELLOW   $250
RED   $    0

To Order

Have the following information handy:

  • Name and contact information
  • Legal description, parcel number, and/or street address of the Subject Property
  • VISA, MasterCard, Discover information

Ordering should take less than five minutes.

What happens next?

1. Preliminary Title Report. The preliminary title report is ordered for your parcel.

2. Exceptions documents. When all exceptions documents have been received, you will receive an email listing the documents to be reviewed, a due-by commitment date, and a scheduled time to speak with your attorney.

3. TIER evaluation letter complete. You will receive an email with the TIER and invoice attached. If parcel tests GREEN or YELLOW, refund will be initiated the next business day.

4. Attorney phone call. Your attorney will call at the scheduled time to answer your questions.

Note: Eight (8) holidays are observed per year: New Year’s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, Christmas Eve, Christmas, and New Year’s Eve.