Real Estate
Title Insurance
Real Estate
Real estate transactions are the largest and most consequential purchases
most people will ever make. The purchase or sale of a home or business property has the power to “make or break” a person’s financial well-being. Buying and selling real estate is more complex than other types of commercial transactions, such as buying or selling a car. State statutes, federal statutes, and common law all may have a bearing on complex matters involving real property, such as ownership claims, liens, taxation, possession, and boundary issues.
To schedule a consultation on a real estate transaction in Pennsylvania or northern Maryland, Contact an experienced real estate lawyer at Mooney & Associates, serving the York, Adams and Franklin County, PA.
Mooney & Associates Real Estate Video
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At Mooney & Associates, our attorneys are knowledgeable in the sometimes confusing aspects of real estate transactions and can guide clients through the following steps common to the buying, selling, or leasing of a residential or commercial house, building, apartment complex, or undeveloped lot:
- • Appraisal
- • Mortgage requirements
- • Assessments
- • Deed recording
- • Home inspection
- • Disclosure and/or correction of defects including termites, asbestos, and lead paint
- • Closing (settlement of sale)
- • Promissory notes
- • Financing statements
- • Guarantees
- • Loan agreements
- • Title insurance
- • Broker/seller contracts
- • Purchase agreements
- • Foreclosure
- • Landlord/tenant issues
- • Eviction
- • Lease renewal
- • Eminent domain
- • Zoning permits
FOR MORE DETAILED INFORMATION, CLICK HERE. Contact us to schedule a consultation.
Your Title Insurance Service
Attorney John J. Mooney, III is the authorized agent for the Commonwealth Land Title Insurance Company. Title Insurance is an insurance policy that protects an owner (or the lender) against claims for outstanding mortgages, unpaid real estate taxes, and/or liens on the property. The policy may have limits on its coverage, such as excluding uses based upon zoning and governmental regulations.
The premium for title insurance differs from other insurance in that it 
is paid only one time for coverage that extends until the owner sells or transfers the real estate. Some lenders require the purchase of new title insurance each time an owner refinances the real estate. The premium for the policy is generally based upon the price of the property or the amount of the loan against the property.
Although abstracting companies, which may be suggested by your broker, can issue title insurance, they do not provide the additional services, such as explaining intricacies of the documents and explaining limitations on the property’s use involved in the transaction, which an attorney who is experienced and knowledgeable in real estate law will provide. The price of all title insurance is based on the inclusive rate approved by the Pennsylvania Department of Insurance. Attorney Mooney has conducted real estate transactions, litigated real estate disputes, and served as a trained title insurance agent since 1987.
By choosing Attorney John J. Mooney III to act as your agent, you gain legal expertise at no additional cost. Attorney Mooney can also be retained to represent you in negotiating the terms and conditions of the agreement to prepare a mortgage, note or deed, and to prepare other concurrent subsequent agreements involving the real estate.
Contact an attorney today at Mooney & Associates, Attorneys at Law, to assist you with your title insurance needs and questions.