Omega Title Agency, LLC

I have verified with the [redacted] that they have received our check for $and the prior balance was paid in full

I have delayed responding to this email to see if the water bill was paid As soo as it is paid I will mark this complaint satisfied and all can be happy.I will accept the response made by the business to resolve this complaint when they pay the water bill as stated in the response given by Omega However as of today 9/16/it is not.Please advise.Thanks, [redacted]

I have reviewed our entire file, our in-house notes and spoken to the individuals from our office who were involved Unfortunately, it appears that Mr [redacted] doesn’t quite understand the papers he signed I will try to explain themThe buyer, Mr [redacted] , starts by saying he was “forced to use this company [Omega Title Agency, LLC] to close on a condo ” This couldn’t be any further from the truth It is against Federal law (Section of the Real Estate Settlement Procedures Act) for a seller to condition the home sale on the use of a specific title insurance company The reality is that section 1(G) of the purchase and sale agreement (page attached hereto) states that buyer agrees to use Omega Title Agency, LLC There is a specific box that the buyer could have checked to choose his own title agency This contract was digitally signed and initialed by Mr [redacted] To further corroborate the situation, Mr [redacted] signed a Buyer’s Right to Select Title Insurance Company where he checked the box which states “I/We after having been informed of our right to select the title insurance company, have no preference with respect to selecting the title insurance company I/We agree to use U.SBank’s title insurance company.” Further, had Mr [redacted] subsequently chosen to use another escrow and/or title provider, the seller would most certainly have allowed that subject to the remaining terms of the agreementHis next two issues involve fees collected (or not collected) by Omega Title Agency Section of the addendum (copy attached) provides that seller only pays prorations for (1) unpaid condo assessments; (2) unpaid property taxes; and (3) utility or municipal liens secured by the property prior to closing The condo assessments were paid in full for the month of closing and nothing was due Property Taxes were also paid and nothing was due Lastly, there were no LIENS for utilities prior to closing As such, the seller was not obligated to pay anythingFurther, reading Section (b) through (e) makes it redundantly, excessively and exhaustively clear that seller will incur no costs in the closing of this property Everything is the responsibility of the buyer In the interest avoiding repetition, I direct your attention to those paragraphs of the addendum without quoting them hereMr [redacted] ’s first issue is a delinquent sewer bill for $ On August 3, we called the water and sewer departments and were assured that there was zero due at that time Unfortunately, we were given the incorrect information although Mr [redacted] was ultimately liable for these amounts anyway pursuant to the addendum As Mr [redacted] was not made aware of this amount prior to closing we have sent the [redacted] a check for the entire $as an amicable settlement of this matterThe last issue is a Condo Cert Fee collected by the condo association for the preparation and processing of the final condo fee bill and the transfer of the condo association membership to the buyer in the amount of $ This is a pass-through fee which means that it is exactly the amount charged to Omega Title and no additional fees were added Prior to closing, this fee was brought to Mr [redacted] ’s attention and he asked that the seller pay it despite the many times in the addendum where it states that buyer pays all fees The seller refused to pay and Mr [redacted] was advised that he had to pay it or work it out with the seller Ultimately, Mr [redacted] paid it at closing If he disputed this item with the seller, he should have done it prior to paying it as part of the closing As this is now paid pursuant to the addendum there should be no issueTo summarize, pursuant to the addendum the buyer, Mr [redacted] , agreed to pay all fees Even his complaint to the Revdex.com specifically states “I paid 100% of the fees to do the title work and all the other things that go along with a proper HUD.” Unfortunately, we were told the sewer bill was zero when it wasn’t We’ve already paid that in full The Condo Cert Fee was collected at closing from Mr [redacted] pursuant to the addendum As such, neither of these items will be a lien on the property as he claimsOf course, if you or Mr [redacted] have any further questions you are both welcome to contact me directly and I will discuss it furtherMartin *N***Staff Attorney [redacted]

I have verified with the [redacted] that they have received our check for $68.88 and the prior balance was paid in full.

I have delayed responding to this email to see if the water bill was paid.  As soo as it is paid I will mark this complaint satisfied and all can be happy.I will accept the response made by the business to resolve this complaint when they pay the water bill as stated in the response given by Omega.  However as of today 9/16/16 it is not.Please advise.Thanks,[redacted]

I have reviewed our entire file, our in-house notes and spoken to the individuals from our office who were involved.  Unfortunately, it appears that Mr. [redacted] doesn’t quite understand the papers he signed.  I will try to explain them. The buyer, Mr. [redacted], starts by saying he...

was “forced to use this company [Omega Title Agency, LLC] to close on a condo …”  This couldn’t be any further from the truth.  It is against Federal law (Section 9 of the Real Estate Settlement Procedures Act) for a seller to condition the home sale on the use of a specific title insurance company.  The reality is that section 1(G) of the purchase and sale agreement (page 1 attached hereto) states that buyer agrees to use Omega Title Agency, LLC.  There is a specific box that the buyer could have checked to choose his own title agency.  This contract was digitally signed and initialed by Mr. [redacted].  To further corroborate the situation, Mr. [redacted]  signed a Buyer’s Right to Select Title Insurance Company where he checked the box which states “I/We after having been informed of our right to select the title insurance company, have no preference with respect to selecting the title insurance company.  I/We agree to use U.S. Bank’s title insurance company.”  Further, had Mr. [redacted] subsequently chosen to use another escrow and/or title provider, the seller would most certainly have allowed that subject to the remaining terms of the agreement. His next two issues involve fees collected (or not collected) by Omega Title Agency.  Section 13 of the addendum (copy attached) provides that seller only pays prorations for (1) unpaid condo assessments; (2) unpaid property taxes; and (3) utility or municipal liens secured by the property prior to closing.  The condo assessments were paid in full for the month of closing and nothing was due.  Property Taxes were also paid and nothing was due.  Lastly, there were no LIENS for utilities prior to closing.  As such, the seller was not obligated to pay anything. Further, reading Section 13 (b) through (e) makes it redundantly, excessively and exhaustively clear that seller will incur no costs in the closing of this property.  Everything is the responsibility of the buyer.  In the interest avoiding repetition, I direct your attention to those 4 paragraphs of the addendum without quoting them here. Mr. [redacted]’s first issue is a delinquent sewer bill for $68.88.  On August 3, 2016 we called the water and sewer departments and were assured that there was zero due at that time.  Unfortunately, we were given the incorrect information although Mr. [redacted] was ultimately liable for these amounts anyway pursuant to the addendum.  As Mr. [redacted] was not made aware of this amount prior to closing we have sent the [redacted] a check for the entire $68.88 as an amicable settlement of this matter. The last issue is a Condo Cert Fee collected by the condo association for the preparation and processing of the final condo fee bill and the transfer of the condo association membership to the buyer in the amount of $179.00.  This is a pass-through fee which means that it is exactly the amount charged to Omega Title and no additional fees were added.  Prior to closing, this fee was brought to Mr. [redacted]’s attention and he asked that the seller pay it despite the many times in the addendum where it states that buyer pays all fees.  The seller refused to pay and Mr. [redacted] was advised that he had to pay it or work it out with the seller.  Ultimately, Mr. [redacted] paid it at closing.  If he disputed this item with the seller, he should have done it prior to paying it as part of the closing.  As this is now paid pursuant to the addendum there should be no issue. To summarize, pursuant to the addendum the buyer, Mr. [redacted], agreed to pay all fees.  Even his complaint to the Revdex.com specifically states “I paid 100% of the fees to do the title work and all the other things that go along with a proper HUD.”  Unfortunately, we were told the sewer bill was zero when it wasn’t.  We’ve already paid that in full.  The Condo Cert Fee was collected at closing from Mr. [redacted] pursuant to the addendum.  As such, neither of these items will be a lien on the property as he claims. Of course, if you or Mr. [redacted] have any further questions you are both welcome to contact me directly and I will discuss it further. Martin *. N[redacted]Staff Attorney[redacted]