Buying or Selling a Home? Your LegalServices Plan Can Help
- Heather Asteriou
- Jul 29
- 3 min read

Buying or selling a home is one of the biggest financial decisions most people will ever make. It’s also one of the most legally complex. Between confusing contracts, tight deadlines, and stacks of documents, the process can be overwhelming.
That’s why your University Legal Services Plan can be such a valuable tool. While Provizr doesn’t offer legal advice, we’re here to help you understand how to make the most of this underused benefit—especially when real estate decisions are on the horizon.
What Real Estate Services Are Included?
If you’re enrolled in the Legal Services Plan, you likely have access to help with a variety of residential real estate matters. Here’s what that could include, along with examples of how University employees commonly use them:
Buying a Home
Legal review of:
Purchase agreements and contingencies
Sales contracts and closing documents
Example: You’re buying a new home and the seller’s contract includes several unfamiliar clauses about inspections and financing deadlines. Your attorney explains what each one means and flags language that could be risky.
Selling a Home
Legal assistance with:
Reviewing listing agreements
Understanding disclosure requirements
Reviewing and responding to buyer offers
Example: You receive an offer on your home with a clause that says the buyer can back out for any reason. Your attorney highlights this red flag and helps you counter with stronger terms.
Refinancing Your Mortgage
Help reviewing:
Refinance documents
Loan disclosures and closing fees
Example: You’re refinancing to get a better interest rate but aren’t sure if there are hidden costs. Your attorney helps you review the loan terms and confirms there are no prepayment penalties or balloon payments.
Deed or Title Transfers
Support for:
Transferring property ownership
Adding or removing someone from a title
Example: After a divorce, you want to remove your ex-spouse from the home title. Your plan covers preparing and filing the deed properly, avoiding delays or extra filing fees.
Why Legal Help Matters
Real estate transactions move fast, and mistakes can cost thousands. Without legal guidance, it’s easy to sign something you don’t fully understand or miss details that delay closing.
Having an attorney involved early helps you:
Understand what you’re signing
Spot legal risks or hidden fees
Feel confident in your decisions
Best of all, your Legal Services Plan covers these reviews with no hourly rates or surprise charges, saving you money at one of life’s most expensive moments.
Most People Don’t Realize This Benefit Exists
Many University employees enroll in the Legal Services Plan during Open Enrollment and forget about it. But when life changes—especially something as big as a home purchase or sale—this benefit can be a game-changer. It offers clarity, protection, and peace of mind, all at no additional cost beyond your monthly premium.
Know What’s Not Covered
There are a few things your plan generally won’t include:
Commercial or investment property transactions
Landlord or tenant disputes
Transactions that started before you enrolled
It’s a good idea to review your plan booklet or call the provider for specific details based on your situation.
How to Use the Plan Effectively
If you’re planning a move, refinance, or ownership change, follow these steps:
Confirm Enrollment – Check your benefits portal to verify you’re enrolled in the Legal Services Plan.
Reach Out Early – Contact the provider as soon as you begin the process, not at the last minute.
Submit Documents for Review – Give your attorney time to review contracts, loan documents, or deeds before closing day.
This simple preparation can help you avoid stress and unexpected costs.
Why This Support Matters
Buying, selling, or refinancing a home is exciting—but it can also be overwhelming. Knowing you have legal support available makes the entire process smoother, safer, and more manageable. Your Legal Services Plan gives you access to real estate attorneys who can help you understand the fine print and protect your best interests—without draining your wallet.
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