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Sign the Lease

Learn More About Orange Settlement Services Ltd.

Title Excellence.  Closing Confidence.

.Welcome to Orange Settlements Services Ltd., where expertise meets personalized service in the realm of real estate transactions. With nearly three decades of collective experience, we pride ourselves on being a trusted name in both residential and commercial real estate.


Founder and Principal Attorney - Stacey C. Palmer, Esq.
Stacey C. Palmer is a seasoned attorney with a wealth of knowledge in real estate. Stacey graduated from Notre Dame Law School in 1997 and developed her skills during a 17-year tenure at Reed Smith, a global law firm, where she practiced real estate, investment management, general commercial contracts and mergers and acquisitions. 

Stacey is not just an attorney; she is an entrepreneur.  Her expertise extends beyond the legal realm, as she has coached numerous businesses through growth, leveraging her experience as the owner of a bookkeeping franchise. Clients benefit from her unique blend of legal acumen and entrepreneurial insight.

What sets Stacey apart is her creative approach to problem-solving, ensuring that each client receives tailored advice and solutions. Whether advising business clients on complex matters or providing deeply personal customer service to residential clients, Stacey is committed to delivering excellence.

Personal Touch and Community Engagement
Throughout her career, Stacey has lived her values of commitment to family and serving the community.  Married to Edwin Palmer, whom she met during law school, Stacey and Edwin have raised their three sons in Mars. The Palmers have been actively involved in their children's education, supporting Catholic schools like St. Kilian, Central Catholic, and North Catholic. They also have been actively involved in their children's athletic pursuits of baseball, basketball, football, swimming and rowing.  Stacey also is on the Board of her Homeowners Association and ithe Butler County Republican Women.


At Orange Settlements Services, we bring together the best of legal expertise, entrepreneurial spirit, and a personal touch to make your real estate journey smooth and successful. Discover the Orange advantage – where experience meets excellence.

Frequently Asked Questions

When you buy a home, or any property, you expect to gain certain benefits from your ownership. For example, you expect to have the freedom to use the property as you like and to be free from debts or obligations against the property that were not created by you. You also expect that you can freely sell your property or pledge it as security for a loan. Title Insurance is intended to cover these rights.

Title is the evidence of a person's right to the ownership and possession of land. It is possible that someone other than the purchaser has a legal right to the property. If that right can be established, this person can claim the property outright or make demands on the owner as to its use.


YES! Title insurance protects you from financial loss if problems develop regarding the rights to ownership of your property. There may be hidden title defects that even the most careful title search will not reveal. In addition to protection from financial loss, title insurance pays the cost of defending against any covered claim.

Any number of problems that remain undisclosed after even the most meticulous search of public records can make a title defective. These hidden "defects" can be particularly dangerous, because you may not learn of them for many months or years after you acquire title. Certain defects can force you to spend substantial sums on a legal defense and may still result in the loss of your property.

There are two types of Title Insurance. Your lender likely will require that you purchase a Lender's Policy. This policy only insures that the your lender has a valid, enforceable lien on the property. Most lenders require this type of insurance and typically require the borrower to pay for it. The lender's policy only covers the amount of its loan, which is normally less than the full value of the property. The lender will not usually be concerned with an adverse title claim unless its loan and its ability to foreclose and recover its principal and interest are placed in jeopardy. In the event of such a claim, the lender's policy also fails to provide coverage of legal expenses incurred by an uninsured party.

On the other hand, an Owner's Policy is designed to protect you from title defects that existed prior to your policy's issue date. Title troubles, such as improper estate proceedings or pending legal action, could put your equity at serious risk. If a valid claim is filed, in addition to financial loss up to the face amount of the policy, your Owner's Policy covers the full cost of any legal defense of your title.

The one-time premium is directly related to the value of the property you are acquiring. Typically, it is less expensive than your annual auto insurance. Although Title Insurance is a one-time only expense, paid when you purchase your property, it continues to provide complete coverage for as long as you or your heirs own the property.

The state of Pennsylvania closely regulates Title Insurance rates. The premium required to purchase both a Lender's and an Owner's Policy are based upon the value of the interest being protected. With a Lender's Policy, this will be the amount of the loan, while the premium for an Owner's Policy is based upon the total value of the property.

When buying an Owner's Policy, the cost is reduced by the amount of the premium paid for Lender's Policy. For example, John purchases a $200,000 home by borrowing $180,000 from the Lender. He is required to buy a Lender's Policy to cover $180,000, which currently costs $1,300. The premium for an Owner's Policy insuring the entire $200,000 is $1,400. However, because he has already paid $1,300 towards title insurance, John can obtain an Owner's Policy for the difference, just $100.

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Mon - Fri: 9am - 6pm
Sat: 10am - 2pm
Sun: Closed

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