I find that our clients appreciate the attention given to their closing.  Should you choose our firm to assist you, I know you will find our firm to be both experienced and knowledgeable. 

I will be working closely with you throughout the pendency of your closing and will also be instrumental in the preparation of your closing documents.  If, at any time, you have any questions or problems regarding your closing, please telephone my office and someone will arrange for me to confer with you.

During the course of this closing, this firm may be representing multiple parties to the transaction. Proper disclosures are always given at the time the firm is retained to perform the closing.

Everyone listed as a seller, buyer on the contract and/or borrower with the bank must attend the closing or make arrangements to sign the closing paperwork.

The amount needed to close must be in the form of guaranteed funds (verified and documented electronic fund transfers, properly endorsed government checks, certified checks, cashier’s checks or other checks drawn by a bank) as required by South Carolina law.  We will give you the exact amount prior to closing depending on when all information is delivered to us. The final documentation for your closing cannot be prepared until such time as we have received written instructions and the closing package from the lender.  This usually happens the morning of the closing, and it will take us several hours to determine the amount needed.

Your mortgage lender may require issuance of a Mortgagee Title Insurance Policy.  This policy WILL NOT afford title insurance protection to you in the event of defects in the title to the real estate which you are acquiring, including but not limited to unpaid bills for labor and material, forgeries, missing heirs, unpaid taxes, etc. South Carolina law requires that I offer you the opportunity to purchase title insurance. Our firm highly recommends, and it is legal advice, that an Owner’s Policy or Residential Advantage Policy be purchased at closing. You may still obtain an Owner’s Policy even if the lender does not request its own  policy, but you need to let us know in advance of the closing.

I always advise purchasers in a real estate closing to obtain a new ALTA Survey of the Property being purchased. A current ALTA survey will disclose the location of the property boundary lines; information concerning legal right of access to and from the land; location and nature of improvements; easements or “rights of way”; physical objects such as utility lines, drains, etc., indiciating utility easements; location of public ways; bodies of water which may creat rights in third parties or limit your use of the land; setback lines or other lines affecting the property; encroachment onto the land by a neighbor’s improvements and projection onto a neighbors land; or an easement encumbering the land.

Each closing is different, and there will always be more specific requirements in each case.