Property Ownership

In Pennsylvania, when a married couple takes title as 'tenants by the entireties,' what is the primary advantage?

AEach spouse holds a separate, divisible interest that can be individually mortgaged
BThe property is protected from creditors of only one spouse, and both must join to convey or encumber it✓ Correct
CEither spouse may sell the property without the other's signature
DThe property automatically passes to the children upon both spouses' deaths

Explanation

Tenancy by the entireties is a form of joint ownership available only to married couples in Pennsylvania. It provides strong creditor protection — a creditor of only one spouse cannot attach or force the sale of entireties property. Both spouses must join in any conveyance, mortgage, or lease. Upon one spouse's death, the survivor automatically takes full title by right of survivorship, avoiding probate.

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