Title Opinion

At P & S Legal Services, we understand the importance of a valid and clear property title in real estate transactions. That’s why we offer comprehensive Title Opinion services to ensure our clients can proceed with confidence when buying, selling, or transferring property. Our team of experienced attorneys works closely with title insurance agencies to provide thorough assessments of property titles, identifying any potential issues or encumbrances that could affect ownership or transfer.

Verifying Property Ownership

Our attorneys conduct a detailed examination of public records to verify the current ownership of the property. We confirm that the seller has the legal right to transfer the property and provide a clear title to the buyer. Our Title Opinions include the names of the current owners, the date of acquisition, and any previous transfers, ensuring a smooth transaction process.

Assessing Holding Methods

We understand that the method of holding a property can significantly impact ownership rights. Our Title Opinions assess the holding method, whether it’s fee simple, leasehold, or easement, and provide guidance on the associated rights and responsibilities. By clearly identifying the holding method, we help our clients make informed decisions and protect their interests.

Identifying Encumbrances and Liens

One of the most critical aspects of our Title Opinion services is identifying any existing encumbrances or liens that may affect the property. Our attorneys thoroughly examine the title history to uncover potential issues such as mortgages, tax liens, or other legal claims. We outline these encumbrances and their implications, ensuring that they are addressed before the transaction is completed.

Providing Detailed Title Reports

In addition to the Title Opinion, we provide our clients with a comprehensive Title Report. This report includes detailed information about the property, such as legal descriptions, addresses, easements, and encroachments. Our clients can rely on the Title Report to make informed decisions and ensure that they fully understand the property’s legal status.

Assisting with Additional Documentation

To ensure accuracy and compliance, we assist our clients in obtaining additional documentation required by lenders. This includes tax certifications, confirming that all property taxes are paid, and closing protection letters, providing assurance against certain risks associated with the closing process.

Safeguarding Against Unforeseen Issues

By obtaining a Title Opinion from P & S Legal Services, our clients can rest assured that potential issues have been identified and addressed before they escalate. We work closely with title insurance agencies to provide additional protection against claims or defects not identified during the title search. This ensures that our clients are financially protected in the event of a title dispute or other legal issue.