Attorney Opinion Letters That Save Borrowers $1,000 on Closing Costs

A fully insured Attorney Opinion Letter (AOLPro™) is a smart, GSE-approved alternative to traditional title insurance that can significantly reduce closing costs. As an authorized AOLPro™ provider, Link Title delivers this cost-saving option to lenders, homebuyers, and investors nationwide.

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Attorney Opinion Letter

What is AOLPro™?

AOLPro™ is an insured attorney opinion letter platform that delivers comprehensive title protection. Unlike traditional title insurance, AOLPro™ combines lender, homeowner, and investor coverage by A.M. Best A-rated insurance carriers.

You still get comprehensive title protection: full title search, thorough examination, and complete curative work to clear any issues. The difference is in how the coverage is structured and priced.

Who it’s for:

AOLPro™ appeals to anyone looking to reduce closing costs without sacrificing title protection.

  • Lenders looking to offer borrowers lower closing costs
  • Homebuyers who want to save on their purchase or refinance
  • Real estate investors seeking cost-effective title protection
  • Loan officers who want a competitive advantage

How AOLPro™ Works with Link Title

Link Title manages the complete AOLPro™ process using the same proven workflow as traditional title services. Here’s how it works from order to recording:

AOLPro™ Production

The process begins with API-driven data aggregation from multiple sources, including title data, public record data, and tax records. This is followed by data processing and thorough search and exam procedures to generate a Preliminary AOLPro™ Report.

  • Eligibility Review
  • Order Opening
  • Title Search
  • Tax Review
  • Title Examination
  • Preliminary AOLPro™ Report Issued

Curative Process

Once the preliminary review is complete, any gaps or issues in the chain of title are addressed using task-based curative processes embedded in the AOLPro™ Platform. Once issues are cured, an updated AOLPro™ is generated and a quality control review is completed.

  • Assessment and Grading
  • Issue Identification
  • Curative Summary
  • Updated Preliminary AOLPro™ Issued
  • Clear to Close

Closing Process

Closing documents are packaged and prepared for signature. Closing, settlement, and escrow processes are completed, aligning with existing expectations and SLAs.

  • Closing Document Preparation
  • CD Preparation and Balancing
  • Assignment of Notary/Attorney for Closing
  • Execution of Closing Documents

Attorney Review

After Lender’s Closing Instructions are received, the AOLPro™ package undergoes a detailed, checklist-based review process by an experienced attorney. This ensures all requirements have been met and the AOLPro™ is accurate, complete, and compliant.

  • Lender Closing Instructions Received
  • Checklist-Based Attorney Review Process
  • Attorney Approval

Post Closing

Once closing documents are signed and a post-closing QC check is performed, the Final AOLPro™ is issued. The AOLPro™ covers the transaction through recording. You do not need to wait for recorded documents before issuing the Final AOLPro™. Once post-closing QC is complete and the Final AOLPro™ has been issued, closing documents are sent for recording, and the AOLPro™ is reported to the insurer.

  • Executed Closing Documents Received
  • Final AOLPro™ Issued
  • Document Recording
  • Disbursement Process

How Much Can You Save?

Title insurance costs vary dramatically by state. AOLPro™ can save homebuyers and borrowers anywhere from 14% to 66% on title-related closing costs depending on the property location and transaction type.

Example savings on a $475,000 transaction:

  • Pennsylvania: Save $4,225 (66% savings)
  • Ohio: Save $2,743 (53% savings)
  • Florida: Save $2,470 (57% savings)
View Savings by State

This map represents AOLPro™ saving when compared to traditional title insurance for a $475K Loan. The darker the state the bigger the savings!

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AOLPro™ Coverage Comparison

Not all attorney opinion letters are created equal. AOLPro™ offers coverage comparable to traditional title insurance, protecting homebuyers, lenders, and future investors alike.

Features, Coverage, & Protection
AOLPro
TitleInsurance
Available for purchase and refinance transactions
Combined coverage for lender, homeowner, and investor in a single letter
Nationwide tiered fee coverage
Buyback coverage in secondary market transactions
Low-cost coverage aligned with risk
Simple, reliable claims process
Coverage up to full purchase price or loan amount
Coverage for life of loan
Coverage by A.M. Best A rated insurance carriers
Protection against borrower fraud
Closing Protection Letter
Coverage through date of recording (“Gap Coverage”)
Duty to defend by insurer
FAQ

Questions from Lenders & Servicers

Everything you need to know about working with us.

Have a specific question? Talk to our team

Independence means you come first, not a single underwriter. We work for you. We shop each transaction across multiple underwriters to secure strong coverage at fair pricing. If one underwriter declines a complex deal, we move quickly to another option. Captive agents stay bound to one carrier’s rules and rates. We do not.

We integrate with major LOS platforms including Encompass and others. Orders flow automatically, status updates sync in real-time, and closing documents upload directly to your system. Our API also supports custom integrations for proprietary platforms.

Standard transactions: 5-7 business days from order to commitment
Rush orders: Have a rush order? Let us know and we will prioritize it at no extra cost.
HELOC/second mortgage: 3-5 business days
Foreclosure/REO: Varies by complexity, typically 7-10 days

Yes. We’re licensed nationwide with local expertise in every market. Our underwriter partners (Old Republic, American Guaranty, Group 9) provide coverage in all states, and we have relationships with local settlement agents and attorneys where required by state law.

Speed and thoroughness. We don’t just identify issues, we resolve them. Our team obtains lien releases, prepares corrective documents, coordinates with prior owners and creditors, and handles it all in the background. You get a Clear to Close faster because we’re proactive, not reactive.

We Believe…

in delivering exceptional service through collaboration and teamwork that builds lasting relationships and drives our clients’ success.

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