Opinion of Title Letters
A formal legal opinion on title — when "clean" isn't good enough.
About opinion of title letters
An opinion of title letter is a formal legal document in which an attorney — not a title insurance company — states their legal opinion on the status of title to a parcel of Florida real property. Lenders, investors, wholesalers, trustees, and property owners sometimes need this kind of formal analysis rather than (or in addition to) a title insurance commitment.
Polo | Pimentel Law prepares opinion of title letters for a wide range of use cases: private lender due diligence, investor transactions that do not qualify for title insurance, wholesaler transactions, quiet title actions, and any situation where a party needs legal analysis — including the legal significance of items of record — not just an insurable conclusion.
Each opinion letter is based on a current title search, reviews all relevant instruments of record, identifies specific title defects and their legal implications, and states our conclusion clearly.
What we handle
Private lender opinions
Opinions for hard-money and private lenders who need counsel's analysis before funding.
Investor and wholesaler opinions
For transactions that title insurance may decline or that require a faster, more substantive analysis than a title commitment provides.
Trust and estate opinions
Opinions for trustees, personal representatives, and heirs on title status relevant to administration, distribution, or sale.
Litigation support opinions
Opinions supporting quiet title, specific performance, and real estate litigation — drafted to stand as evidence.
Questions we hear
Related services
Title Insurance
Owner's and lender's title insurance, title searches, defect resolution, and title insurance claims assistance.
Deed & Title Transfers
Quitclaim, warranty, special warranty, and corrective deeds. Transfers between family members, into trusts, and into LLCs.
Private & Hard Money Lenders
Loan origination, mortgage documentation, default and foreclosure representation, and workout negotiations for private lenders.
Need help with opinion of title letters?
Schedule your free consultation. We respond to every inquiry within one business day.