We Make Homeownership
Affordable

Now more than ever, homeowners are searching for cost-effective ways to purchase or refinance. We cut costs by reducing closing fees. Homebuyers now have the option to choose between title insurance and a fully insured attorney opinion letter

Reimagining Homeownership

Buying a home is a powerful decision with extraordinary benefits, but it has become increasingly inaccessible due to high costs.

While mortgage rates and home prices are beyond our control, we can impact closing costs, where title insurance plays a significant role.

Despite advancements in technology and increased data availability, title insurance companies continue to charge premium prices simply because there has never been an insured alternative — until now!

Our Solution

Meet AOLPro

AOLPro is the only fully insured alternative to title insurance on the market. Now accessible nationwide via our exclusive AOLPro platform, this innovative solution offers comprehensive coverage at a significantly reduced cost compared to conventional title insurance options. This means homeowners nationwide can now benefit from the savings of an AOL.

Using an AOL instead of title insurance can save a homebuyer thousands of dollars.

Accepted By:

Fannie Mae
Freddie Mac
FHA
U.S. Department of Veterans Affairs
Better Solutions, Together

Unlock the Value of AOLPro

Young family of four holding boxes and moving into new home, happy because their lender used AOLPro and they saved money this alternative to traditional title insurance.
For Lenders and Mortgage Servicers

Elevate your lending experience with AOLPro

Enhance your offerings with an innovative alternative to title insurance that significantly reduces closing costs and streamlines your operations.

Join the leading lenders who have already integrated AOLPro into their workflow ― optimizing efficiency and offering unparalleled value to borrowers.

Happy family in new home with moving box, celebrating real estate purchase after their agent introduced them to a cost-effective alternative to traditional title insurance via AOLPro.
For Real Estate Agents and Brokers

Transform your real estate transactions with AOLPro

Offer your clients a modern, cost-effective alternative to traditional title insurance and stand out in the competitive real estate market.

Reduce closing costs for your clients, streamline the transaction process, and ensure comprehensive protection for homebuyers, lenders, and investors alike.

Embrace the future of real estate transactions with ease and confidence.

Young couple hanging art in new home, happy because they discovered a cost-effective alternative to traditional title insurance called AOLPro.
For Savvy Homebuyers

Discover smarter home buying with AOLPro

Say goodbye to the high costs of traditional title insurance and hello to savings with AOLPro’s fully insured title alternative.

Enjoy the same comprehensive coverage for a fraction of the cost, giving you more financial freedom to invest in what truly matters – your new home.

With AOLPro, you’re not just buying a house; you’re making a smarter, more secure investment in your future.

Over

Fannie Mae has already accepted over 10,000 loans using an attorney opinion letter in lieu of title insurance.

Frequently Asked Questions

In the simplest terms, a title insurance policy provides assurance that the seller of a property is the rightful owner without any encumbrances. If any issues arise, the title insurance company will intervene to resolve the problem or cover the costs involved.

Fortunately, such situations rarely occur in practice. In fact, claims paid out by title insurance companies accounted for less than 3% of the total last year. Despite the low claim rate, insurance costs have skyrocketed — doubling over the past 15 years and creating a disparity between risk and premiums.

An attorney opinion letter is a legal document provided by a qualified real estate attorney that analyzes a property’s title records, identifies any potential issues or defects, and concludes whether the title is clear and marketable.

The primary difference between the two is not in the risk profile but in the cost structure. An AOL can save a homeowner hundreds or thousands of dollars at the closing table, whereas title insurance remains a burdensome cost that appears consistently from one transaction to the next, regardless of the risk being underwritten. 

Title issues have been substantially reduced over the past two decades, with approximately 75% of title searches revealing clean title. However, the cost of title insurance has remained steady and, in many jurisdictions, is no longer commensurate with the risk. Similarly, with access to better data and more robust technology products, the savings being realized by title agents should be passed on to the consumer. AOLPro is intended to do just that.  

What sets AOLPro apart is that each AOL is backed by insurance issued by an A.M. Best A-rated insurance carrier and provides protection for the full amount of the loan for the life of the loan. AOLPro coverage also includes borrower fraud protection, gap coverage, a closing protection letter, and secondary market. Buyback coverage is exclusive to AOLPro and not included with title insurance.

Resources

Attorney Opinion Letter News and Guides

  • Housing Wire
    HousingWire President, Diego Sanchez and Stacy Mestayer discuss insured attorney opinion letters as an alternative to traditional title insurance.
    Watch the Interview
  • Fannie Mae, Freddie Mac Add Appraisal Rules, Title Options
    Read Article
  • Freddie Mac
    Selling Guide Update: Expanding the Use of Attorney Opinion Letters in Lieu of Title Insurance
    Read Bulletin
  • Junk Fees Are Driving up Housing Costs. The CFPB Wants to Hear From You.
    Read Article
  • Inman
    Biden’s Relaxed New Freddie, Fannie Refi Requirements Irk Title Industry
    Read Article
  • The White House
    President Biden Announces Plan to Lower Housing Costs for Working Families
    Read Article