{"id":187,"date":"2025-03-29T02:46:21","date_gmt":"2025-03-29T02:46:21","guid":{"rendered":"https:\/\/cwsdemowebsites.com\/jord\/?page_id=187"},"modified":"2025-03-30T20:18:10","modified_gmt":"2025-03-30T20:18:10","slug":"faq","status":"publish","type":"page","link":"https:\/\/cwsdemowebsites.com\/jord\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"187\" class=\"elementor elementor-187\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d21f873 e-flex e-con-boxed e-con e-parent\" data-id=\"d21f873\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f63cfb elementor-widget elementor-widget-heading\" data-id=\"7f63cfb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41940bd elementor-icon-list--layout-inline elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"41940bd\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/cwsdemowebsites.com\/jord\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">FAQ<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8419fad accord-sec  e-flex e-con-boxed e-con e-parent\" data-id=\"8419fad\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6190644 e-con-full e-flex e-con e-child\" data-id=\"6190644\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4926774 elementor-widget elementor-widget-accordion\" data-id=\"4926774\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-accordion{text-align:start}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7671\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7671\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"lnr lnr-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Where is your office?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7671\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7671\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1951\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"1\" aria-labelledby=\"elementor-tab-title-1951\"><p>Our office is conveniently located in the heart of downtown Savannah next to Oglethorpe Square, 127 Abercorn Street, Suite 305, Savannah, Georgia 31401.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7672\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7672\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"lnr lnr-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">To whom do I make check payable?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7672\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7672\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1952\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"2\" aria-labelledby=\"elementor-tab-title-1952\"><p>Please make checks payable to Law Offices of Jordan Dyke, LLC.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7673\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-7673\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"lnr lnr-arrow-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Parking<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-7673\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-7673\"><p>Parking is available in the Bryan St. Parking Garage conveniently locked one block from the office.<br \/>Street parking is available along E. York St., E. President St., and E. State St.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2831f0b elementor-widget elementor-widget-heading\" data-id=\"2831f0b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">This can save time, costs and frustration.\n\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fda699e accord-sec  e-flex e-con-boxed e-con e-parent\" data-id=\"fda699e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed1938b elementor-widget elementor-widget-heading\" data-id=\"ed1938b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">F.A.Q. For Buyers<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e32f3a e-con-full e-flex e-con e-child\" data-id=\"2e32f3a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8bf4268 e-con-full e-flex e-con e-child\" data-id=\"8bf4268\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-191be36 elementor-widget elementor-widget-accordion\" data-id=\"191be36\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2631\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2631\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Aren\u2019t a title search and a survey the same thing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2631\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2631\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-2151\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"1\" aria-labelledby=\"elementor-tab-title-2151\"><p>Nope. A title search and a survey are very different things indeed.<br \/>A\u00a0<strong>title search<\/strong>\u00a0is an examination of the county\u2019s deed records to determine a particular property\u2019s legal ownership. Its primary goal is to ensure that a seller can convey good title to at closing, or that a borrower has good title to the property pledged as security for a loan. A title search will show ownership as well as any judgments, tax liens, mechanic\u2019s liens, and other items that may have attached to the property. A title search is conducted by a title examiner at the courthouse and involves researching grantor and grantee indexes, lien books, and so on.<\/p><p>A\u00a0<strong>survey<\/strong>, on the other hand, is a visual depiction of a property\u2019s physical boundaries. An\u00a0<strong>as-built survey<\/strong> is a survey that shows all a property\u2019s physical improvements, such as a house or a driveway, in relation to its boundary lines. Surveys are prepared by land surveyors who physically examine the actual land where the property lies.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2632\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2632\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I close electronically, i.e. via my mobile phone or by DocuSign?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2632\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2632\"><p>Unfortunately, no. While it would be wonderful if we could just push a button and that would be that, someone must be physically present at closing to put pen to paper.<\/p><p>Why? Well, deeds have to be notarized to be recorded at the County courthouse, and Georgia\u2019s attestation law requires that all deeds \u2013 and any other document requiring a notary \u2013 must be signed in a notary\u2019s actual presence. Digital signatures, DocuSign, and the like don\u2019t cut it. While they may be just fine other times, when it comes to closing, they unfortunately just don\u2019t work.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2633\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2633\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I close virtually?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2633\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2633\"><p>No. Virtual closings are not ethically permissible. Closings must be conducted, and all the documents signed, in a Georgia attorney\u2019s physical presence. Anything else is considered unethical by Georgia\u2019s Supreme Court and State Bar. As the Chair of the Real Property Section of the State Bar said recently: \u201cOur Formal Advisory Opinions also do not currently sanction remote closings.\u201d<\/p><p>If you can\u2019t come to closing it may be possible for everything to be signed by an attorney-in-fact. For sellers and cash buyers, that\u2019s a super easy solution. For borrowers, signing though an attorney-in-fact will require your lender\u2019s approval.<\/p><p>The best option, though is to plan to come to closing.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2634\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2634\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can\u2019t I just have all the closing documents emailed to me to sign in front of a notary?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2634\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2634\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-2154\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"4\" aria-labelledby=\"elementor-tab-title-2154\">Unfortunately, we can\u2019t simply email closing documents for you to sign in front of a witness and a Notary Public. There are strict ethical requirements on how everything must be executed, and that means a Georgia licensed attorney must be physically present when all the papers are signed. Closings are considered the practice of law here in Georgia, and a lawyer has to be there when ink is put on paper. So, what documents specifically require the physical presence of an attorney when signed? The Georgia Supreme Court lists\u00a0a warranty deed, limited warranty deed, quitclaim deed, security deed, or deed to secure debt as all needing to be executed in front of a Georgia lawyer. If any of these are being signed, then it has to happen with a Georgia lawyer. Not only that, but the Court has consistently held that \u201c<em>it is the unauthorized practice of law for someone other than a duly-licensed Georgia attorney to close a real estate transaction or to prepare or facilitate the execution of such deed(s) for the benefit of a seller, borrower, or lender.<\/em>\u201d\u00a0That means if a notary is getting a deed signed, they\u2019re engaging in the unauthorized practice of law. That\u2019s bad. That said, there is an option if you\u2019re not able to come to closing.\u00a0<strong>You can possibly name an attorney-in-fact!<\/strong> If and whenever possible, we\u2019d love to conduct your closing with someone here in our office who will sign all the papers for you. We\u2019ll us do the work for you and you can stay home! Best of all, we never charge anyone for the service. Even though we can\u2019t just email documents for you to sign with a notary, we will happily work with you to find a way for your closing to happen as conveniently as possible!<\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2635\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2635\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do I really need to come to closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2635\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2635\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-2155\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"5\" aria-labelledby=\"elementor-tab-title-2155\"><p>While all closing documents must be signed in front of a Georgia attorney, we understand that sometimes everyone isn\u2019t able to make it to our office to sign a tall stack of papers. Virtual closings are not permitted under Georgia Law, but there is an option if you can\u2019t make it to closing.<\/p><p><strong>Name an attorney-in-fact!<\/strong> Simple! If and whenever possible, we\u2019d love to conduct your closing with someone here in our office acting as your attorney-in-fact. Let us do the work for you and you can stay safely at home!<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2636\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2636\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do you charge wire fees?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2636\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2636\"><p>Wire fee is $45<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2637\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2637\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How can I be an email hero?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2637\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2637\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-2157\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"7\" aria-labelledby=\"elementor-tab-title-2157\"><p>Email has been a standard form of communication since the late eighties, and internet-based email has been around as long as\u00a0<em>Paul\u2019s Boutique<\/em>\u00a0by the Beastie Boys,\u00a0<em>Bill and Ted\u2019s Excellent Adventure<\/em>, and\u00a0<em>The Simpsons<\/em>. Email is quick. Email is efficient. And nowadays, with almost everyone carrying around one model of smartphone or another, email is literally in everyone\u2019s pocket. It\u2019s been around for over thirty years. It\u2019s going nowhere. It\u2019s here to stay.<\/p><p>And for ease of use in sending and receiving documents, email can\u2019t be beat. Sure, there are still fax machines around, but really, who is carrying a fax machine with them in their purse?<\/p><p>So, we\u2019re going to be sending out a lot of email for your closing. We really hope you email us back. And with that in mind, here are some helpful hints:<\/p><ul><li><strong>Your time is valuable. Think email first!<\/strong>\u00a0Email is the most efficient way for everyone to communicate. Think about it: If you\u2019ve got a question, how long does it take call, sit on hold, and then wait for an answer? Even though we\u2019re primarily digital, things do take time. That means someone is likely to listen to hold music. Sound like fun? Now compare how long it takes to send an email. We guess you\u2019ll spend much less time dashing off a quick message to us. So save yourself the time and always email first! And don\u2019t forget! If you\u2019re just looking for a simple update, your closing\u2019s compete status is available here!<\/li><\/ul><ul><li><strong>Choose your subject line wisely!<\/strong>\u00a0A good subject line tells your reader what your email is all about, so it\u2019s a nifty idea to be as descriptive as possible. Good subject lines? Things like \u201c<em>123 Main Street: closing time<\/em>.\u201d \u201c<em>456 Main \u2013 payoff information<\/em>.\u201d \u201c<em>789 Elm Blvd docs<\/em>.\u201d Not so good subject lines? \u201c<em>my closing<\/em>.\u201d \u201c<em>from jane smith<\/em>.\u201d \u201c<em>doc<\/em>.\u201d The most not-so-good subject line? Just leaving it blank.<\/li><li><strong>Use the reply button!<\/strong>\u00a0If your first thought upon getting an email from us is \u201c<em>well, I should just give them a call about things<\/em>,\u201d then you should probably reconsider that. By the time you get an email from us, we\u2019ve already moved on. Really. It\u2019s not you, it\u2019s us. We\u2019re sorry. We\u2019ve grown. Seriously, though. We\u2019re working on a lot of closings at any one time and send out hundreds of emails every day. Phone calls that start with \u201c<em>I just got this email<\/em>\u201d lead to a lot of wasted time and pointless exposition, kind of like the voiceover in the original release of\u00a0<em>Blade Runner<\/em>. But when you use the reply button, you get straight to the point, your message goes directly to the person who emailed you, and there\u2019s a written record of everything to put it all in perspective quickly. So be smart! Just reply!<\/li><\/ul><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2638\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2638\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How can I choose you to close my loan?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2638\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2638\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-2158\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"8\" aria-labelledby=\"elementor-tab-title-2158\"><p>It\u2019s easy to select us as your closing attorneys!<\/p><p>Under the Georgia Fair Lending Act, also known as GAFLA, the borrower has the right to select the closing attorney. When you are applying for your loan, simply look for the attorney preference checklist and make sure you chose Law Offices of Jordan Dyke to close your loan. Your mortgage broker will then get in touch with us, and we\u2019ll take it from there!<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2639\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2639\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How long does it take to get a title exam?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2639\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2639\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-2159\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"9\" aria-labelledby=\"elementor-tab-title-2159\"><p class=\"has-text-align-left\">The typical turnaround time for a Savannah area title exam is usually two to four business days. Counties outside the Savannah area generally take longer, as may any property that has significant title issues.<\/p><p>Title orders can be rush ordered and, depending upon the county, the exam may come back the same day.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26310\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-26310\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How long will the closing take?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-26310\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-26310\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-21510\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"10\" aria-labelledby=\"elementor-tab-title-21510\"><p>The closing ceremony, when all of the transfer and loan documents are signed, typically lasts around half an hour to forty-five minutes. Closings rarely exceed an hour. Depending upon the number of documents that need to be signed, and the detail with which the parties wish to review them, the closing may take longer.<\/p><p>Occasionally there may be a problem that must be addressed at the last minute, which might further prolong closing, but this rarely happens.<br \/>A good guide is to arrive for closing ten to fifteen minutes early and expect the closing to take around half an hour to forty-five minutes.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26311\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-26311\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How much are closing costs?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-26311\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-26311\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-21511\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"11\" aria-labelledby=\"elementor-tab-title-21511\"><p>Closing costs will differ from property to property; if you\u2019d like an estimate, just request a fee sheet, and we\u2019ll send one out to you.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26312\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-26312\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How much do you charge to draft a power of attorney?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-26312\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-26312\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-21512\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"12\" aria-labelledby=\"elementor-tab-title-21512\"><p>Power of attorney fee is $150<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-26313\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-26313\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How quickly can you close?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-26313\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-26313\"><p>Unfortunately, the question \u201chow quickly can you close\u201d is impossible to answer. Anyone who says differently, to quote the Dread Pirate Roberts, is selling something. How quickly can we close? It all depends.<\/p><p>Why?<\/p><p>Well, here\u2019s the thing. Every property is unique, and the ownership history of every property is different. Even if two properties are physically identical, their titles certainly won\u2019t be, and there is absolutely no way to know beforehand how simple or complicated a property\u2019s title may be. The examiner has to get into the records just to see what those records will look like.<\/p><p>(If we could know beforehand, we certainly would have done better on our Divination O.W.L.s. Predicting the future isn\u2019t really our strong suit.)<\/p><p>But even if a title is relatively simple, that\u2019s no guarantee that things can happen fast. Say, for example, a property\u2019s title is clean with only one mortgage to pay off. Some lenders will get us a payoff within hours of us requesting it. Fewer lenders will take days. Even fewer will take weeks. Say there\u2019s a clean title with a first and a second mortgage. Same thing. Say there\u2019s a clean title with a first mortgage, a second mortgage, and a homeowners\u2019 association. You guessed it: the same thing.<\/p><p>You see the point. For a closing to happen, there are a lot of individual elements that have to come together. All of them take time, and it is impossible to predict how much time any particular one will take for any particular property. Again, anyone who says differently is selling something.<\/p><p>That doesn\u2019t mean we can\u2019t make generalizations, though. For Savannah properties, title exams typically come back in two to four business days. Mortgage payoffs also typically come back in two to four business days. So if the traffic signals in the sky all turn green, then things can happen in just days. We\u2019ve handled thousands of closings that have taken less than a week from start to finish. But we\u2019ve also handled closings that have taken much longer.<\/p><p>The plain truth is that any individual closing will take the time it takes, but we\u2019ll always work hard to get things done as quickly as possible for you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb77118 e-con-full e-flex e-con e-child\" data-id=\"cb77118\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6125cc0 elementor-widget elementor-widget-accordion\" data-id=\"6125cc0\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1011\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1011\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I bought my home and the tax records don\u2019t show me as the owner. I\u2019m starting to panic. What\u2019s up?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1011\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1011\"><p>So you just bought your house and looked online just to find out that the county tax office is showing someone else as the owner? That\u2019s OK. There\u2019s no need to worry! This is perfectly normal, and everything is fine. It is an important and popular fact that things are not always what they seem, and this is doubly so for the tax offices, unfortunately. But here\u2019s the thing. Tax records only reflect the owner as of January first of any calendar year. So whoever owned the property at the first of the year is going to be shown as the tax record owner for the entire year, even though you\u2019ve bought the property. That\u2019s just how tax offices are and it happens to everyone. But that\u2019s OK! While the county tax commissioner isn\u2019t a great place to verify ownership, the deed record rooms are! Recorded deeds are what show ownership, and they\u2019re available to everyone online at the Clerk\u2019s Authority website. Or just as us for a copy from your closing. We\u2019ll be happy to send one along!<br \/>Related question: I bought my house and got a tax bill for the entire year. Do I have to pay it? What gives?<br \/>Anyway. While the property taxes may show an old owner for now, that will change next January. So relax, have a cup of really strong tea, and wait it out. That\u2019s all there is to do!<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1012\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1012\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I bought my house and got a tax bill for the entire year. Do I have to pay it? What gives?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1012\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1012\"><p>So you bought a house and just received a bill for the whole year of property taxes? No need to worry! This is perfectly normal, and everything is fine. You see, the property tax bills weren\u2019t available when you bought your house. If they were, they would have been collected for and paid at closing. But when you bought your house, they weren\u2019t out. And since most tax offices don\u2019t release the yearly bills until autumn, this happens pretty much every time someone buys a home. That\u2019s why there are prorations. If you look at your settlement statement, you should see a credit from the seller to you; and this represents their portion of the taxes. The proration amount is based on the last available bill, and the credit reduces the amount you otherwise would have needed for closing. Everybody\u2019s responsible for their part of the taxes, after all! When the bill finally does come out, you are ultimately responsible for paying the entire amount that\u2019s owed. If you have a mortgage, most of the time all you need to do is forward the bill to your mortgage company. They\u2019ve already been collecting escrow in anticipation of paying those taxes. If you own your home free and clear, then you should go ahead and pay that bill \u2013 but know that the seller contributed their portion at closing.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1013\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1013\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I need to bring money to closing. Can I just write a personal check?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1013\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1013\"><p>Up to a point, yes.<\/p><p>Georgia law prohibits closing attorneys from accepting personal checks for more than $5,000.00, and in truth, most closing attorneys will only accept much less than that. Additionally, your lender will almost always insist on a wire or certified funds drawn from the bank listed on your loan application, regardless of a closing attorney\u2019s policies on personal checks.<\/p><p>For amounts less than five hundred dollars, personal checks are generally fine. For amounts above five hundred dollars, you should either bring certified funds or have funds directly wired into our trust account. To ensure timely funding, and to prevent closing in escrow, wires are strongly recommended. Just email us and we\u2019ll send you a copy of our wiring instructions.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1014\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1014\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I need to bring money to closing. To whom should checks be made out?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1014\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1014\"><p>Checks should be made out to Law Offices of Jordan Dyke, LLC, or to yourself.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1015\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1015\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I\u2019m buying a house. What am I going to sign at closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1015\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1015\"><p>Unless you\u2019re paying for the property in cash, it is usually the buyer who has to sign the great majority of documents at closing. While many are standardized, uniform, and used in every closing, the sheer number of documents to sign can sometimes be intimidating.<\/p><p>The settlement statement, promissory note, deed to secure debt, occupancy affidavit, and identity affidavit, along with a number of tax forms, are typically signed at every closing. Additionally, your lender may require a number of other documents to be signed.<\/p><p>At closing, we will happily explain each of the documents you sign and answer any question you may have.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1016\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1016\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Should I have my own lawyer attend closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1016\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1016\"><p>In Georgia, the closing attorney usually represents the lender, not the buyer or seller. This does not mean that that the interests of lender, buyer, and seller are opposed. In fact, just the opposite is true most of the time: the seller wants to sell the property, the purchaser wants to buy the property, and the lender wants to give a loan to the buyer to pay for the property.<\/p><p>In other words, the closing attorney, while specifically representing the lender, works to the benefit of all the parties to the transaction. Because the interests of the lender are closely aligned with those of the buyer and seller, most of the time the parties do not retain separate counsel and instead rely upon the efficiency and professionalism of the closing attorney.<\/p><p>If you want, you are more than welcome to have your own attorney review documents prior to closing or even attend the closing itself. We will happily work with you to ensure you are satisfied with your closing experience.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1017\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1017\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What do I need to bring to closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1017\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1017\"><p>You should bring two forms of identification, including at least one valid government-issued ID such as a passport or a driver\u2019s license.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1018\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1018\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is a lis pendens, and do I have to worry about it?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1018\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1018\"><p>A lis pendens is a notice filed in the deed records at the courthouse that a lawsuit has been filed challenging a property\u2019s ownership. It normally gives notice of the suit as well as the parties and the court in which the suit has been filed. If a lis pendens is filed, the ownership of the property depends upon the lawsuit\u2019s outcome, and consequently, it\u2019s considered a cloud on title. If a title search reveals a lis pendens, then we cannot close until the suit is resolved or the lis is released.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1019\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1019\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is a title exam, and why do I need one for closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1019\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1019\"><p>A Title Exam is an examination of the real property records to determine a particular tract of property\u2019s ownership. It is used to ensure a seller has the ability to convey good title to a borrower or that a borrower has good title to the property that they\u2019re pledging as collateral for a loan. Clear title is an absolute necessity for every closing, and it\u2019s the title exam that allows us to verify that everything is good to go.<br \/>Not only does a title exam research a property\u2019s legal ownership, but it also looks for other potential problems such as judgments, federal and state tax liens, delinquent property taxes, civil suits, and other potential defects and issues. Any of these problems could drastically affect a closing, which is why it\u2019s so important to research them as soon as possible in the closing process.<\/p><p>Additionally, we cannot issue a title insurance policies without researching the current state of the property\u2019s title first.<\/p><p>In other words, the title exam is super important.<\/p><p>For Savannah counties, the typical turnaround time for a title exam is usually two to four business days. Counties outside the Savannah area may take longer, as may any property with significant title issues.<\/p><p>Title orders can be rush ordered and, depending upon the county, the exam may come back the same day.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-10110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-10110\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What\u2019s the deal with mail-away closings?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-10110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-10110\"><p>A Mail-away Closing is one in which one or more of the parties is most often, though not necessarily, out-of-state and asks if closing documents can be emailed to them to be executed in front of a notary or other signing service. Unfortunately, the ethical permissibility of these types of closings is suspect at best and we can\u2019t use mobile notary or similar services for closings. As a recent Chair of the Real Property Section of the State Bar said: \u201cour Formal Advisory Opinions also do not currently sanction remote closings.\u201d<br \/>Georgia is an attorney state, and real estate closings are considered the practice of law. Consequently, closings must be conducted, and all the documents signed, in a Georgia lawyer\u2019s presence.<\/p><p>In fact, both the Georgia State Bar and Supreme Court have consistently said that a Georgia attorney must be physically present at closing:<\/p><p>A lawyer cannot delegate to a nonlawyer the responsibility to \u201cclose\u201d the real estate transaction without the participation of an attorney. Formal Advisory Opinion No. 86-5 also provides that \u201cSupervision of the work of the paralegal by the attorney must be direct and constant to avoid any charges of aiding the unauthorized practice of law.\u201d The lawyer\u2019s physical presence at a closing will assure that there is supervision of the work of the paralegal which is direct and constant. Supreme Court of Georgia, Formal Advisory Opinion 00-3. (Emphasis added).<\/p><p>The Supreme Court of Georgia additionally wrote:<\/p><p>\u2026We have issued formal advisory opinions which confirmed that a lawyer cannot delegate responsibility for the closing of a real estate transaction to a non-lawyer and required the physical presence of an attorney for the preparation and execution of a deed of conveyance (including, but not limited to, a warranty deed, limited warranty deed, quitclaim deed, security deed, and deed to secure debt). Supreme Court of Georgia, In Re: UPL Advisory Opinion 2003-2. (Emphasis added).<\/p><p>The Ethics Committee of the Real Property Section of the State Bar of Georgia also states that an attorney must<\/p><p>\u201cattend the closing of the transaction. An attorney must be physically present at the closing of a transaction and may not telephonically supervise a nonlawyer officiating at the closing.\u201d Ethics Committee of the State Bar of Georgia, Residential Real Estate Closing Procedure Handbook. (Emphasis added).<\/p><p>Not only is an Georgia lawyer\u2019s presence required when closing documents are signed, the Georgia Supreme Court approved an advisory opinion by the Georgia State Bar\u2019s Standing Committee on the Unlicensed Practice of Law that found that the preparation and execution of a deed of conveyance by a non-lawyer represented the unauthorized practice of law:<\/p><p>We have consistently held that it is the unauthorized practice of law for someone other than a duly-licensed Georgia attorney to close a real estate transaction or to prepare or facilitate the execution of such deed(s) for the benefit of a seller, borrower, or lender. Supreme Court of Georgia, In Re: UPL Advisory Opinion 2003-2. (Emphasis added).<\/p><p>This position is shared by the Real Property Section, which maintains that remote notary closings \u201cencourage the unauthorized practice of law.\u201d<\/p><p>Ultimately, at the least, an attorney would not be satisfying his or her ethical obligations by merely sending closing documents to be signed in front of a mobile notary or other similar service. At the worst, an attorney could be seen as aiding the unauthorized practice of law by doing so. There\u2019s unfortunately no way around it: Closing documents simply must be signed in a Georgia lawyer\u2019s presence.<\/p><p>With modern communication technology like Zoom, Microsoft Teams, Google Meet and other video conferencing services, this ethics rule may seem a bit outdated. We sure think so, anyway. And with that in mind, the Real Property Law Section of the State Bar recently asked the Georgia Supreme Court to reconsider their ruling requiring a lawyer\u2019s physical presence when the closing documents are signed. The Supreme Court declined to do so.<\/p><p>So where does that leave someone who isn\u2019t able to come to closing? Unfortunately there are few options. One is to find a licensed Georgia lawyer who is willing to oversee the execution of the closing documents. This is likely to be both difficult and prohibitively expensive. After all, there\u2019s an additional set of attorney\u2019s fees to be paid.<\/p><p>The second option is to appoint an attorney-in-fact who will attend closing and sign all of the closing documents. Using a power of attorney for closing is super easy. And it\u2019s free. We never charge for drafting one.<\/p><p>Or, the simplest solution of all is to make sure everyone can attend closing.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-10111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-10111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">When will I know how much money to bring to closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-10111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-10111\"><p>A settlement statement, showing exactly how much money you will need to bring to closing, is prepared as soon as we receive closing instructions from your lender. This may be several days in advance of your closing, or it may be just before you are scheduled to close on your home; it all depends upon your lender.<\/p><p>Rest assured we encourage lenders to get their closing instructions to us in a timely fashion and strive to provide a settlement statement to you as quickly as possible.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-10112\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-10112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Who do you write title insurance with?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-10112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-10112\"><p>Title policies are underwritten by me for Chicago Title Insurance Company and always include gap coverage. When both an Owner\u2019s and Lender\u2019s policy are being issued, we apply a simultaneous-issue discount to the cost of the owner\u2019s policy.<br \/>Want to know how much your title insurance will be? Contact us and we will do the calculations for you!<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f54cee accord-sec  e-flex e-con-boxed e-con e-parent\" data-id=\"3f54cee\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b862b9 elementor-widget elementor-widget-heading\" data-id=\"7b862b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">F.A.Q. For Sellers\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6017fa9 e-con-full e-flex e-con e-child\" data-id=\"6017fa9\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4038eab e-con-full e-flex e-con e-child\" data-id=\"4038eab\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9035976 elementor-widget elementor-widget-accordion\" data-id=\"9035976\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1511\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1511\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Aren\u2019t a title search and a survey the same thing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1511\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1511\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1821\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"1\" aria-labelledby=\"elementor-tab-title-1821\"><p>Nope. A title search and a survey are very different things indeed.<br \/>A\u00a0<strong>title search<\/strong>\u00a0is an examination of the county\u2019s deed records to determine a particular property\u2019s legal ownership. Its primary goal is to ensure that a seller can convey good title to at closing, or that a borrower has good title to the property pledged as security for a loan. A title search will show ownership as well as any judgments, tax liens, mechanic\u2019s liens, and other items that may have attached to the property. A title search is conducted by a title examiner at the courthouse and involves researching grantor and grantee indexes, lien books, and so on.<\/p><p>A\u00a0<strong>survey<\/strong>, on the other hand, is a visual depiction of a property\u2019s physical boundaries. An\u00a0<strong>as-built survey<\/strong> is a survey that shows all a property\u2019s physical improvements, such as a house or a driveway, in relation to its boundary lines. Surveys are prepared by land surveyors who physically examine the actual land where the property lies.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1512\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1512\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I close electronically, i.e. via my mobile phone or by DocuSign?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1512\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1512\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1822\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"2\" aria-labelledby=\"elementor-tab-title-1822\"><p>Unfortunately, no. While it would be wonderful if we could just push a button and that would be that, someone must be physically present at closing to put pen to paper.<\/p><p>Why? Well, deeds have to be notarized to be recorded at the County courthouse, and Georgia\u2019s attestation law requires that all deeds \u2013 and any other document requiring a notary \u2013 must be signed in a notary\u2019s actual presence. Digital signatures, DocuSign, and the like don\u2019t cut it. While they may be just fine other times, when it comes to closing, they unfortunately just don\u2019t work.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1513\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1513\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I close virtually?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1513\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1513\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1823\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"3\" aria-labelledby=\"elementor-tab-title-1823\"><p><strong>No. Virtual closings are not ethically permissible<\/strong>. Closings must be conducted, and all the documents signed, in a Georgia attorney\u2019s physical presence. Anything else is considered unethical by Georgia\u2019s Supreme Court and State Bar. As the Chair of the\u00a0Real Property Section of the State Bar said recently: \u201cOur Formal Advisory Opinions also do not currently sanction remote closings.\u201d<\/p><p>If you can\u2019t come to closing it may be possible for everything to be signed by an attorney-in-fact. For sellers and cash buyers, that\u2019s a super easy solution. For borrowers, signing though an attorney-in-fact will require your lender\u2019s approval.<\/p><p>The best option, though is to plan to come to closing.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1514\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1514\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I have my money wired directly to me?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1514\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1514\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1824\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"4\" aria-labelledby=\"elementor-tab-title-1824\">Absolutely! We\u2019d be happy to! Just return our wiring instructions form to us or bring your bank information with you to closing. As soon as we disburse, we\u2019ll wire your proceeds directly into your account. Best of all, unlike most other closing attorneys,\u00a0<em>we do not charge anything to wire your funds to you.<\/em> For most banks, a voided check is all we need to wire your money to you. However, if you want us to wire proceeds to a credit union or money market account, you should confirm your financial institution\u2019s wiring instructions before closing. Once sent, wires typically take from one to four hours to get from our bank to yours.<\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1515\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1515\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can\u2019t I just have all the closing documents emailed to me to sign in front of a notary?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1515\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1515\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1825\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"5\" aria-labelledby=\"elementor-tab-title-1825\">Unfortunately, we can\u2019t simply email closing documents for you to sign in front of a witness and a Notary Public. There are strict ethical requirements on how everything must be executed, and that means a Georgia licensed attorney must be physically present when all the papers are signed. Closings are considered the practice of law here in Georgia, and a lawyer has to be there when ink is put on paper. So, what documents specifically require the physical presence of an attorney when signed? The Georgia Supreme Court lists\u00a0a warranty deed, limited warranty deed, quitclaim deed, security deed, or deed to secure debt as all needing to be executed in front of a Georgia lawyer. If any of these are being signed, then it has to happen with a Georgia lawyer. Not only that, but the Court has consistently held that \u201c<em>it is the unauthorized practice of law for someone other than a duly-licensed Georgia attorney to close a real estate transaction or to prepare or facilitate the execution of such deed(s) for the benefit of a seller, borrower, or lender.<\/em>\u201d\u00a0That means if a notary is getting a deed signed, they\u2019re engaging in the unauthorized practice of law. That\u2019s bad. That said, there is an option if you\u2019re not able to come to closing.\u00a0<strong>You can possibly name an attorney-in-fact!<\/strong> If and whenever possible, we\u2019d love to conduct your closing with someone here in our office who will sign all the papers for you. We\u2019ll us do the work for you and you can stay home! Best of all, we never charge anyone for the service. Even though we can\u2019t just email documents for you to sign with a notary, we will happily work with you to find a way for your closing to happen as conveniently as possible!<\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1516\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1516\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do I really need to come to closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1516\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1516\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1826\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"6\" aria-labelledby=\"elementor-tab-title-1826\"><p>While all closing documents must be signed in front of a Georgia attorney, we understand that sometimes everyone isn\u2019t able to make it to our office to sign a tall stack of papers. Virtual closings are not permitted under Georgia Law, but there is an option if you can\u2019t make it to closing.<\/p><p><strong>Name an attorney-in-fact!<\/strong> Simple! If and whenever possible, we\u2019d love to conduct your closing with someone here in our office acting as your attorney-in-fact. Let us do the work for you and you can stay safely at home!<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1517\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1517\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do you charge wire fees?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1517\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1517\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1827\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"7\" aria-labelledby=\"elementor-tab-title-1827\"><p>Wire fee is $45<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1518\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1518\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How can I be an email hero?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1518\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1518\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1828\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"8\" aria-labelledby=\"elementor-tab-title-1828\"><p>Email has been a standard form of communication since the late eighties, and internet-based email has been around as long as\u00a0<em>Paul\u2019s Boutique<\/em>\u00a0by the Beastie Boys,\u00a0<em>Bill and Ted\u2019s Excellent Adventure<\/em>, and\u00a0<em>The Simpsons<\/em>. Email is quick. Email is efficient. And nowadays, with almost everyone carrying around one model of smartphone or another, email is literally in everyone\u2019s pocket. It\u2019s been around for over thirty years. It\u2019s going nowhere. It\u2019s here to stay.<\/p><p>And for ease of use in sending and receiving documents, email can\u2019t be beat. Sure, there are still fax machines around, but really, who is carrying a fax machine with them in their purse?<\/p><p>So, we\u2019re going to be sending out a lot of email for your closing. We really hope you email us back. And with that in mind, here are some helpful hints:<\/p><ul><li><strong>Your time is valuable. Think email first!<\/strong>\u00a0Email is the most efficient way for everyone to communicate. Think about it: If you\u2019ve got a question, how long does it take call, sit on hold, and then wait for an answer? Even though we\u2019re primarily digital, things do take time. That means someone is likely to listen to hold music. Sound like fun? Now compare how long it takes to send an email. We guess you\u2019ll spend much less time dashing off a quick message to us. So save yourself the time and always email first! And don\u2019t forget! If you\u2019re just looking for a simple update, your closing\u2019s compete status is available here!<\/li><\/ul><ul><li><strong>Choose your subject line wisely!<\/strong>\u00a0A good subject line tells your reader what your email is all about, so it\u2019s a nifty idea to be as descriptive as possible. Good subject lines? Things like \u201c<em>123 Main Street: closing time<\/em>.\u201d \u201c<em>456 Main \u2013 payoff information<\/em>.\u201d \u201c<em>789 Elm Blvd docs<\/em>.\u201d Not so good subject lines? \u201c<em>my closing<\/em>.\u201d \u201c<em>from jane smith<\/em>.\u201d \u201c<em>doc<\/em>.\u201d The most not-so-good subject line? Just leaving it blank.<\/li><li><strong>Use the reply button!<\/strong>\u00a0If your first thought upon getting an email from us is \u201c<em>well, I should just give them a call about things<\/em>,\u201d then you should probably reconsider that. By the time you get an email from us, we\u2019ve already moved on. Really. It\u2019s not you, it\u2019s us. We\u2019re sorry. We\u2019ve grown. Seriously, though. We\u2019re working on a lot of closings at any one time and send out hundreds of emails every day. Phone calls that start with \u201c<em>I just got this email<\/em>\u201d lead to a lot of wasted time and pointless exposition, kind of like the voiceover in the original release of\u00a0<em>Blade Runner<\/em>. But when you use the reply button, you get straight to the point, your message goes directly to the person who emailed you, and there\u2019s a written record of everything to put it all in perspective quickly. So be smart! Just reply!<\/li><\/ul><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1519\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1519\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How long does it take to get a title exam?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1519\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1519\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1829\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"9\" aria-labelledby=\"elementor-tab-title-1829\"><p class=\"has-text-align-left\">The typical turnaround time for a Metro-Atlanta area title exam is usually two to four business days. Counties outside the metro area generally take longer, as may any property that has significant title issues.<\/p><p>Title orders can be rush ordered and, depending upon the county, the exam may come back the same day.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-15110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-15110\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How long will the closing take?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-15110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-15110\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-18210\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"10\" aria-labelledby=\"elementor-tab-title-18210\"><p>The closing ceremony, when all of the transfer and loan documents are signed, typically lasts around half an hour to forty-five minutes. Closings rarely exceed an hour. Depending upon the number of documents that need to be signed, and the detail with which the parties wish to review them, the closing may take longer.<\/p><p>Occasionally there may be a problem that must be addressed at the last minute, which might further prolong closing, but this rarely happens.<br \/>A good guide is to arrive for closing ten to fifteen minutes early and expect the closing to take around half an hour to forty-five minutes.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-15111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-15111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How much are closing costs?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-15111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-15111\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-18211\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"11\" aria-labelledby=\"elementor-tab-title-18211\"><p>Closing costs will differ from property to property; if you\u2019d like an estimate, just request a fee sheet, and we\u2019ll send one out to you.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-743d3b4 e-con-full e-flex e-con e-child\" data-id=\"743d3b4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97ed8ce elementor-widget elementor-widget-accordion\" data-id=\"97ed8ce\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1591\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1591\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How much do you charge to draft a power of attorney?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1591\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1591\"><p>Power of attorney fee is $150<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1592\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1592\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How quickly can you close?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1592\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1592\"><p>Unfortunately, the question \u201chow quickly can you close\u201d is impossible to answer. Anyone who says differently, to quote the Dread Pirate Roberts, is selling something. How quickly can we close? It all depends.<\/p><p>Why?<\/p><p>Well, here\u2019s the thing. Every property is unique, and the ownership history of every property is different. Even if two properties are physically identical, their titles certainly won\u2019t be, and there is absolutely no way to know beforehand how simple or complicated a property\u2019s title may be. The examiner has to get into the records just to see what those records will look like.<\/p><p>(If we could know beforehand, we certainly would have done better on our Divination O.W.L.s. Predicting the future isn\u2019t really our strong suit.)<\/p><p>But even if a title is relatively simple, that\u2019s no guarantee that things can happen fast. Say, for example, a property\u2019s title is clean with only one mortgage to pay off. Some lenders will get us a payoff within hours of us requesting it. Fewer lenders will take days. Even fewer will take weeks. Say there\u2019s a clean title with a first and a second mortgage. Same thing. Say there\u2019s a clean title with a first mortgage, a second mortgage, and a homeowners\u2019 association. You guessed it: the same thing.<\/p><p>You see the point. For a closing to happen, there are a lot of individual elements that have to come together. All of them take time, and it is impossible to predict how much time any particular one will take for any particular property. Again, anyone who says differently is selling something.<\/p><p>That doesn\u2019t mean we can\u2019t make generalizations, though. For Savannah properties, title exams typically come back in two to four business days. Mortgage payoffs also typically come back in two to four business days. So if the traffic signals in the sky all turn green, then things can happen in just days. We\u2019ve handled thousands of closings that have taken less than a week from start to finish. But we\u2019ve also handled closings that have taken much longer.<\/p><p>The plain truth is that any individual closing will take the time it takes, but we\u2019ll always work hard to get things done as quickly as possible for you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1593\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1593\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I sold my house, but the tax bill is still in my name. What\u2019s up?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1593\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1593\"><p>So you sold your house and property taxes are still in your name? Did you get the actual bill and wonder if you should pay it? Well, no need to worry! This is perfectly normal, and everything is just fine.<\/p><p>Here\u2019s the thing. The property tax bills weren\u2019t available when you sold your house. If they were, they would have been collected for and paid at closing. But when you sold your house, they weren\u2019t out. And since most tax offices don\u2019t release the yearly bills until autumn, this happens for most closings.<\/p><p>That\u2019s why there are prorations. If you look at your settlement statement, you should see a credit from the you to buyer; and this represents your portion of the taxes. Everybody\u2019s responsible for their part of the taxes, after all!<\/p><p>When the bill finally does come out, the buyer is responsible for paying the entire amount that\u2019s owed. If you actually received the bill, all you need to do is forward it on to the buyer.<\/p><p>So why would the bill still be in your name, even though you sold the house? That\u2019s just how the tax offices work, honestly. Property tax bills are always sent with the name of whomever owned the property on January first of that year. If you sell your house before the bills come out, the bill will still be issued in your name, and the tax office won\u2019t update their records until the next year. No worries!<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1594\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1594\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I\u2019m selling my house. What do I have to sign at closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1594\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1594\"><p>As the seller, you\u2019ll only have to sign a few documents at closing. In most cases, you\u2019ll just have to sign the settlement statement, the deed, some tax forms, and a property owner\u2019s affidavit. After closing, you\u2019ll receive copies of all the papers you\u2019ve signed.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1595\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1595\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Tell me how tax prorations work.<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1595\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1595\"><p>Prorations are the adjustment of property taxes between the buyer and seller at the time of closing, ensuring that both each are responsible for their fair share of the property taxes. Prorations are based on the number of days each owns the property during the tax year and appear as a separate line item on the settlement statement.<\/p><p>If a tax bill is already out, then its proration will be based on the actual amount owed and will be shown as a credit from the buyer to the seller. Essentially the seller is paying the property tax for the entire year and the buyer is crediting their portion to the seller.<\/p><p>If a tax bill is not out, then the proration will be based on an estimated tax amount. Typically that\u2019s just the previous year\u2019s amount. Then there\u2019s a credit from the seller to the buyer for their portion. When the tax bill finally does come out, the buyer is responsible for the full bill.<\/p><p>Overall, tax prorations are a beneficial aspect of real estate transactions that help to ensure fairness, clarity, and simplicity for both the buyer and the seller.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1596\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1596\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What do I need to bring to closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1596\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1596\"><p>You should bring two forms of identification, including at least one valid government-issued ID such as a passport or a driver\u2019s license. Additionally, if you are planning on having proceeds wired to your account, you should also being a copy of your bank\u2019s wiring instructions or a voided check.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1597\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1597\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is a lis pendens, and do I have to worry about it?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1597\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1597\"><p>A lis pendens is a notice filed in the deed records at the courthouse that a lawsuit has been filed challenging a property\u2019s ownership. It normally gives notice of the suit as well as the parties and the court in which the suit has been filed. If a lis pendens is filed, the ownership of the property depends upon the lawsuit\u2019s outcome, and consequently, it\u2019s considered a cloud on title. If a title search reveals a lis pendens, then we cannot close until the suit is resolved or the lis is released.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1598\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1598\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What\u2019s the deal with mail-away closings?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1598\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1598\"><p>A Mail-away Closing is one in which one or more of the parties is most often, though not necessarily, out-of-state and asks if closing documents can be emailed to them to be executed in front of a notary or other signing service. Unfortunately, the ethical permissibility of these types of closings is suspect at best and we can\u2019t use mobile notary or similar services for closings. As a recent Chair of the Real Property Section of the State Bar said: \u201cour Formal Advisory Opinions also do not currently sanction remote closings.\u201d<br \/>Georgia is an attorney state, and real estate closings are considered the practice of law. Consequently, closings must be conducted, and all the documents signed, in a Georgia lawyer\u2019s presence.<\/p><p>In fact, both the Georgia State Bar and Supreme Court have consistently said that a Georgia attorney must be physically present at closing:<\/p><p>A lawyer cannot delegate to a nonlawyer the responsibility to \u201cclose\u201d the real estate transaction without the participation of an attorney. Formal Advisory Opinion No. 86-5 also provides that \u201cSupervision of the work of the paralegal by the attorney must be direct and constant to avoid any charges of aiding the unauthorized practice of law.\u201d The lawyer\u2019s physical presence at a closing will assure that there is supervision of the work of the paralegal which is direct and constant. Supreme Court of Georgia, Formal Advisory Opinion 00-3. (Emphasis added).<\/p><p>The Supreme Court of Georgia additionally wrote:<\/p><p>\u2026We have issued formal advisory opinions which confirmed that a lawyer cannot delegate responsibility for the closing of a real estate transaction to a non-lawyer and required the physical presence of an attorney for the preparation and execution of a deed of conveyance (including, but not limited to, a warranty deed, limited warranty deed, quitclaim deed, security deed, and deed to secure debt). Supreme Court of Georgia, In Re: UPL Advisory Opinion 2003-2. (Emphasis added).<\/p><p>The Ethics Committee of the Real Property Section of the State Bar of Georgia also states that an attorney must<\/p><p>\u201cattend the closing of the transaction. An attorney must be physically present at the closing of a transaction and may not telephonically supervise a nonlawyer officiating at the closing.\u201d Ethics Committee of the State Bar of Georgia, Residential Real Estate Closing Procedure Handbook. (Emphasis added).<\/p><p>Not only is an Georgia lawyer\u2019s presence required when closing documents are signed, the Georgia Supreme Court approved an advisory opinion by the Georgia State Bar\u2019s Standing Committee on the Unlicensed Practice of Law that found that the preparation and execution of a deed of conveyance by a non-lawyer represented the unauthorized practice of law:<\/p><p>We have consistently held that it is the unauthorized practice of law for someone other than a duly-licensed Georgia attorney to close a real estate transaction or to prepare or facilitate the execution of such deed(s) for the benefit of a seller, borrower, or lender. Supreme Court of Georgia, In Re: UPL Advisory Opinion 2003-2. (Emphasis added).<\/p><p>This position is shared by the Real Property Section, which maintains that remote notary closings \u201cencourage the unauthorized practice of law.\u201d<\/p><p>Ultimately, at the least, an attorney would not be satisfying his or her ethical obligations by merely sending closing documents to be signed in front of a mobile notary or other similar service. At the worst, an attorney could be seen as aiding the unauthorized practice of law by doing so. There\u2019s unfortunately no way around it: Closing documents simply must be signed in a Georgia lawyer\u2019s presence.<\/p><p>With modern communication technology like Zoom, Microsoft Teams, Google Meet and other video conferencing services, this ethics rule may seem a bit outdated. We sure think so, anyway. And with that in mind, the Real Property Law Section of the State Bar recently asked the Georgia Supreme Court to reconsider their ruling requiring a lawyer\u2019s physical presence when the closing documents are signed. The Supreme Court declined to do so.<\/p><p>So where does that leave someone who isn\u2019t able to come to closing? Unfortunately there are few options. One is to find a licensed Georgia lawyer who is willing to oversee the execution of the closing documents. This is likely to be both difficult and prohibitively expensive. After all, there\u2019s an additional set of attorney\u2019s fees to be paid.<\/p><p>The second option is to appoint an attorney-in-fact who will attend closing and sign all of the closing documents. Using a power of attorney for closing is super easy. And it\u2019s free. We never charge for drafting one.<\/p><p>Or, the simplest solution of all is to make sure everyone can attend closing.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1599\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1599\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">When will I receive the proceeds from my sale?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1599\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1599\"><p>Closings disburse as soon as we have collected funds in our trust account and any needed lender\u2019s authorization to fund. Ordinarily this happens shortly after closing, but sometimes may take several hours; and closings that occur late in the afternoon may not fund until the next morning. But don\u2019t worry! We know your money is important to you, and we work as hard as possible to get your funds to you as quickly as possible!<\/p><p>Why can things be delayed?<\/p><p>Wires come in after hours. Unfortunately, wires are not instantaneous transfers from one bank to another. Sometimes wires take a few hours to wind through the federal system. Sometimes banks group wires together and release them in giant batches throughout the day. Sometimes wires get held for quality control and anti-fraud checks. Without all the funds in hand, we can\u2019t disburse.<br \/>Lender approval may slow disbursing. If your buyer is getting a loan, there\u2019s a good chance their bank is going to want to review the signed documents from closing before they authorize us to write checks. By good chance, we mean that it is almost universal practice. Some banks are quick and require very few closing documents. Others aren\u2019t.<br \/>If you haven\u2019t sent them to us already, we super encourage you to bring a copy of your wiring instructions to closing. We\u2019ll happily wire your proceeds to you as soon as possible after closing and, u8nlike manyother closing attorneys, we do not charge for wires.<\/p><p>For more information, please feel free to request a copy of our funding and good funds notices.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-15910\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-15910\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Why is my mortgage payoff higher than my statement balance?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-15910\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-15910\"><p>There are a number of reasons why the payoff balance may be higher than the amount shown on your monthly statement.<\/p><p>The most-common reason is that your monthly statement only shows the principal balance that\u2019s currently owed, and does not include the additional interest accruing every day. Many times, this interest accounts for the difference between your statement balance and the final loan payoff. There are, also, other factors that can affect your payoff: there may be a shortage in an escrow account, there may be owed late fees or other lender charges, or there may be a prepayment penalty associated with your mortgage.<\/p><p>We always obtain a written payoff statement from your mortgage company, and will happily give you a copy if you want one.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ffca980 accord-sec  e-flex e-con-boxed e-con e-parent\" data-id=\"ffca980\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8b7f56 elementor-widget elementor-widget-heading\" data-id=\"c8b7f56\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">F.A.Q. For Agents\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e6660b e-con-full e-flex e-con e-child\" data-id=\"6e6660b\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-45f12bc e-con-full e-flex e-con e-child\" data-id=\"45f12bc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b4ceb4 elementor-widget elementor-widget-accordion\" data-id=\"8b4ceb4\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1461\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1461\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Aren\u2019t a title search and a survey the same thing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1461\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1461\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1691\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"1\" aria-labelledby=\"elementor-tab-title-1691\"><p>Nope. A title search and a survey are very different things indeed.<br \/>A\u00a0<strong>title search<\/strong>\u00a0is an examination of the county\u2019s deed records to determine a particular property\u2019s legal ownership. Its primary goal is to ensure that a seller can convey good title to at closing, or that a borrower has good title to the property pledged as security for a loan. A title search will show ownership as well as any judgments, tax liens, mechanic\u2019s liens, and other items that may have attached to the property. A title search is conducted by a title examiner at the courthouse and involves researching grantor and grantee indexes, lien books, and so on.<\/p><p>A\u00a0<strong>survey<\/strong>, on the other hand, is a visual depiction of a property\u2019s physical boundaries. An\u00a0<strong>as-built survey<\/strong> is a survey that shows all a property\u2019s physical improvements, such as a house or a driveway, in relation to its boundary lines. Surveys are prepared by land surveyors who physically examine the actual land where the property lies.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1462\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1462\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I close virtually?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1462\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1462\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1692\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"2\" aria-labelledby=\"elementor-tab-title-1692\"><p><strong>No. Virtual closings are not ethically permissible<\/strong>. Closings must be conducted, and all the documents signed, in a Georgia attorney\u2019s physical presence. Anything else is considered unethical by Georgia\u2019s Supreme Court and State Bar. As the Chair of the\u00a0Real Property Section of the State Bar said recently: \u201cOur Formal Advisory Opinions also do not currently sanction remote closings.\u201d<\/p><p>If you can\u2019t come to closing it may be possible for everything to be signed by an attorney-in-fact. For sellers and cash buyers, that\u2019s a super easy solution. For borrowers, signing though an attorney-in-fact will require your lender\u2019s approval.<\/p><p>The best option, though is to plan to come to closing.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1463\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1463\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do I really need to come to closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1463\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1463\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1693\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"3\" aria-labelledby=\"elementor-tab-title-1693\"><p>While all closing documents must be signed in front of a Georgia attorney, we understand that sometimes everyone isn\u2019t able to make it to our office to sign a tall stack of papers. Virtual closings are not permitted under Georgia Law, but there is an option if you can\u2019t make it to closing.<\/p><p><strong>Name an attorney-in-fact!<\/strong> Simple! If and whenever possible, we\u2019d love to conduct your closing with someone here in our office acting as your attorney-in-fact. Let us do the work for you and you can stay safely at home!<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1464\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1464\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Do you charge wire fees?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1464\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1464\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1694\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"4\" aria-labelledby=\"elementor-tab-title-1694\"><p>Wire fee is $45<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1465\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1465\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How can I be an email hero?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1465\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1465\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1695\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"5\" aria-labelledby=\"elementor-tab-title-1695\"><p>Email has been a standard form of communication since the late eighties, and internet-based email has been around as long as\u00a0<em>Paul\u2019s Boutique<\/em>\u00a0by the Beastie Boys,\u00a0<em>Bill and Ted\u2019s Excellent Adventure<\/em>, and\u00a0<em>The Simpsons<\/em>. Email is quick. Email is efficient. And nowadays, with almost everyone carrying around one model of smartphone or another, email is literally in everyone\u2019s pocket. It\u2019s been around for over thirty years. It\u2019s going nowhere. It\u2019s here to stay.<\/p><p>And for ease of use in sending and receiving documents, email can\u2019t be beat. Sure, there are still fax machines around, but really, who is carrying a fax machine with them in their purse?<\/p><p>So, we\u2019re going to be sending out a lot of email for your closing. We really hope you email us back. And with that in mind, here are some helpful hints:<\/p><ul><li><strong>Your time is valuable. Think email first!<\/strong>\u00a0Email is the most efficient way for everyone to communicate. Think about it: If you\u2019ve got a question, how long does it take call, sit on hold, and then wait for an answer? Even though we\u2019re primarily digital, things do take time. That means someone is likely to listen to hold music. Sound like fun? Now compare how long it takes to send an email. We guess you\u2019ll spend much less time dashing off a quick message to us. So save yourself the time and always email first! And don\u2019t forget! If you\u2019re just looking for a simple update, your closing\u2019s compete status is available here!<\/li><\/ul><ul><li><strong>Choose your subject line wisely!<\/strong>\u00a0A good subject line tells your reader what your email is all about, so it\u2019s a nifty idea to be as descriptive as possible. Good subject lines? Things like \u201c<em>123 Main Street: closing time<\/em>.\u201d \u201c<em>456 Main \u2013 payoff information<\/em>.\u201d \u201c<em>789 Elm Blvd docs<\/em>.\u201d Not so good subject lines? \u201c<em>my closing<\/em>.\u201d \u201c<em>from jane smith<\/em>.\u201d \u201c<em>doc<\/em>.\u201d The most not-so-good subject line? Just leaving it blank.<\/li><li><strong>Use the reply button!<\/strong>\u00a0If your first thought upon getting an email from us is \u201c<em>well, I should just give them a call about things<\/em>,\u201d then you should probably reconsider that. By the time you get an email from us, we\u2019ve already moved on. Really. It\u2019s not you, it\u2019s us. We\u2019re sorry. We\u2019ve grown. Seriously, though. We\u2019re working on a lot of closings at any one time and send out hundreds of emails every day. Phone calls that start with \u201c<em>I just got this email<\/em>\u201d lead to a lot of wasted time and pointless exposition, kind of like the voiceover in the original release of\u00a0<em>Blade Runner<\/em>. But when you use the reply button, you get straight to the point, your message goes directly to the person who emailed you, and there\u2019s a written record of everything to put it all in perspective quickly. So be smart! Just reply!<\/li><\/ul><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1466\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1466\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How long does it take to get a title exam?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1466\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1466\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1696\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"6\" aria-labelledby=\"elementor-tab-title-1696\"><p class=\"has-text-align-left\">The typical turnaround time for a Savannah area title exam is usually two to four business days. Counties outside the Savannah area generally take longer, as may any property that has significant title issues.<\/p><p>Title orders can be rush ordered and, depending upon the county, the exam may come back the same day.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1467\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1467\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How much do you charge to draft a power of attorney?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1467\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1467\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1697\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"7\" aria-labelledby=\"elementor-tab-title-1697\"><p>Power of attorney fee is $150<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1468\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1468\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How quickly can you close?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1468\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1468\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1698\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"8\" aria-labelledby=\"elementor-tab-title-1698\"><p>Unfortunately, the question \u201chow quickly can you close\u201d is impossible to answer.\u00a0<em>Anyone who says differently<\/em>, to quote the Dread Pirate Roberts,\u00a0<em>is selling something<\/em>. How quickly can we close? It all depends.<\/p><p>Why?<\/p><p>Well, here\u2019s the thing. Every property is unique, and the ownership history of every property is different. Even if two properties are physically identical, their titles certainly won\u2019t be, and there is absolutely no way to know beforehand how simple or complicated a property\u2019s title may be. The examiner has to get into the records just to see what those records will look like.<\/p><p>(If we could know beforehand, we certainly would have done better on our Divination O.W.L.s. Predicting the future isn\u2019t really our strong suit.)<\/p><p>But even if a title is relatively simple, that\u2019s no guarantee that things can happen fast. Say, for example, a property\u2019s title is clean with only one mortgage to pay off. Some lenders will get us a payoff within hours of us requesting it. Fewer lenders will take days. Even fewer will take weeks. Say there\u2019s a clean title with a first and a second mortgage. Same thing. Say there\u2019s a clean title with a first mortgage, a second mortgage, and a homeowners\u2019 association. You guessed it: the same thing.<\/p><p>You see the point. For a closing to happen, there are a lot of individual elements that have to come together. All of them take time, and it is impossible to predict how much time any particular one will take for any particular property. Again,\u00a0<em>anyone who says differently is selling something<\/em>.<\/p><p>That doesn\u2019t mean we can\u2019t make generalizations, though. For Savannah properties, title exams typically come back in two to four business days. Mortgage payoffs also typically come back in two to four business days. So if the traffic signals in the sky all turn green, then things\u00a0<em>can\u00a0<\/em>happen in just days. We\u2019ve handled thousands of closings that have taken less than a week from start to finish. But we\u2019ve also handled closings that have taken much longer.<\/p><p>The plain truth is that any individual closing will take the time it takes, but we\u2019ll always work hard to get things done as quickly as possible for you.<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1469\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1469\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">I\u2019m and agent and won\u2019t be able to come to closing. How can I get my commission?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1469\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1469\"><div class=\"elementor-accordion-item\"><div id=\"elementor-tab-content-1699\" class=\"elementor-tab-content elementor-clearfix elementor-active\" role=\"region\" data-tab=\"9\" aria-labelledby=\"elementor-tab-title-1699\"><p>We get it. We understand that you might not be able to make it to every closing. Sometimes you\u2019re double-booked. Sometimes you\u2019ve got other obligations. Sometimes life just happens. Whatever the reason, we\u2019ll work with you to get you your commission. So what are your options?<\/p><ul><li><strong>Come by later<\/strong>. Can\u2019t get to closing, but can come to our office afterwards? No problems. We can hold on to your check for you!<\/li><li><strong>Mail it<\/strong>. Email us your address, and we will happily mail your commission to you.<\/li><li><strong>Wires<\/strong>. Just send us your wiring instructions, and as soon as the closing disburses, we\u2019ll wire your fees into your account free of charge!<\/li><\/ul><p>If you won\u2019t be coming to closing, please just let us know as soon as you can. And whatever is the easiest way to get your commission, we\u2019ll make it happen for you!<\/p><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfb0dce e-con-full e-flex e-con e-child\" data-id=\"bfb0dce\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3263c40 elementor-widget elementor-widget-accordion\" data-id=\"3263c40\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5281\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-5281\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">It\u2019s been days and days and my title exam isn\u2019t back yet. What\u2019s up with that?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5281\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-5281\"><p>While the typical turnaround time for a title exam is usually two to four business days, sometimes it does take longer for a report to come back from the courthouse. Usually this means that there are potential title defects or issues or additional items that need to be investigated before the exam can be completed. Other times, the examiner may need documentation from additional courthouse offices beyond the deed records. Because every property\u2019s title is unique, delays can and sometimes do unfortunately occur.<\/p><p>What can hold up a title exam? There are lots and lots of things that can affect how long it takes to get a title exam, but here are some of the more common issues we\u2019ve encountered over the years:<\/p><p>Problems with the legal description. Sometimes a property\u2019s legal description doesn\u2019t match the county tax maps. Sometimes there\u2019s a typo in a previous description that was just never corrected. And as we\u2019ve seen, sometimes the owner doesn\u2019t technically own their property, but the one next door. We\u2019ve seen all of these issues occur.<br \/>Common names. Title searches are conducted by name. If there\u2019s a common name in the chain of title, then that means more records must be searched to eliminate potential liens and judgments.<br \/>Lots of conveyances. While most properties may have only several owners during the exam\u2019s search period, other properties may have many, many more. For every additional owner, further examination is needed to make sure there are no outstanding liens and judgments against them or the property wasn\u2019t sold twice. All of this extra research takes time.<br \/>Additional document requirements. If a property was owned by someone who has passed away, then the examiner will need to research the probate court records. Sometimes a property has been involved in a civil suit or a divorce action. Sometimes there\u2019s a federal criminal matter to review. But when additional documents are needed to complete a search, that can contribute to delays.<br \/>While we work hard to get searches back as quickly as possible, sometimes delays do regrettably occur. Unfortunately, there is usually no way for us to tell what may be holding up an exam before it comes back from the courthouse. But as soon as your title exam comes in, however, we\u2019ll absolutely let you know!<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5282\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-5282\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">My client can\u2019t attend closing. Can they use a power of attorney?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5282\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-5282\"><p>While all closing documents must be signed in front of a Georgia attorney and we absolutely prefer that everyone attend closing, we know sometimes that\u2019s just not possible. And when that happens, we\u2019ll happily work with your clients to have them sign everything with a power of attorney. That\u2019s no problem at all!<\/p><p>Remember, though!<\/p><p>Every power of attorney should be specific to the transaction. Downloading a form off of the internet and filling it out yourself is probably not a good idea.<br \/>If it\u2019s a borrower needing a power of attorney, then their lender will need to approve both its use and language. Some lenders are absolutely fine with a power of attorney. Others aren\u2019t.<br \/>If it\u2019s a seller, then a power of attorney is always OK.<br \/>If you you think you\u2019ll need a power of attorney for your closing, please let us know as soon as possible. We\u2019ll happily draft one for you, free of charge.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5283\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-5283\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Tell me how tax prorations work<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5283\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-5283\"><p>Prorations are the adjustment of property taxes between the buyer and seller at the time of closing, ensuring that both each are responsible for their fair share of the property taxes. Prorations are based on the number of days each owns the property during the tax year and appear as a separate line item on the settlement statement.<\/p><p>If a tax bill is already out, then its proration will be based on the actual amount owed and will be shown as a credit from the buyer to the seller. Essentially the seller is paying the property tax for the entire year and the buyer is crediting their portion to the seller.<\/p><p>If a tax bill is not out, then the proration will be based on an estimated tax amount. Typically that\u2019s just the previous year\u2019s amount. Then there\u2019s a credit from the seller to the buyer for their portion. When the tax bill finally does come out, the buyer is responsible for the full bill.<\/p><p>Overall, tax prorations are a beneficial aspect of real estate transactions that help to ensure fairness, clarity, and simplicity for both the buyer and the seller.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5284\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-5284\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">The contract specifies seller concessions. What do I need to do?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5284\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-5284\"><p>In order for seller concessions to be paid at closing, they must be specifically approved by the lender. Simply provide to us a copy of any invoice or estimate detailing the work done or to be done, and we will submit it to the lender for their approval.<\/p><p>Please understand that not every lender allows seller concessions, and many prohibit them outright.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5285\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-5285\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is a title exam, and why do I need one for closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5285\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-5285\"><p>A Title Exam is an examination of the real property records to determine a particular tract of property\u2019s ownership. It is used to ensure a seller has the ability to convey good title to a borrower or that a borrower has good title to the property that they\u2019re pledging as collateral for a loan. Clear title is an absolute necessity for every closing, and it\u2019s the title exam that allows us to verify that everything is good to go.<br \/>Not only does a title exam research a property\u2019s legal ownership, but it also looks for other potential problems such as judgments, federal and state tax liens, delinquent property taxes, civil suits, and other potential defects and issues. Any of these problems could drastically affect a closing, which is why it\u2019s so important to research them as soon as possible in the closing process.<\/p><p>Additionally, we cannot issue a title insurance policies without researching the current state of the property\u2019s title first.<\/p><p>In other words, the title exam is super important.<\/p><p>For Savannah counties, the typical turnaround time for a title exam is usually two to four business days. Counties outside the Savannah area may take longer, as may any property with significant title issues.<\/p><p>Title orders can be rush ordered and, depending upon the county, the exam may come back the same day.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5286\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-5286\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What\u2019s the deal with mail-away closings?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5286\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-5286\"><p>A Mail-away Closing is one in which one or more of the parties is most often, though not necessarily, out-of-state and asks if closing documents can be emailed to them to be executed in front of a notary or other signing service. Unfortunately, the ethical permissibility of these types of closings is suspect at best and we can\u2019t use mobile notary or similar services for closings. As a recent Chair of the Real Property Section of the State Bar said: \u201cour Formal Advisory Opinions also do not currently sanction remote closings.\u201d<br \/>Georgia is an attorney state, and real estate closings are considered the practice of law. Consequently, closings must be conducted, and all the documents signed, in a Georgia lawyer\u2019s presence.<\/p><p>In fact, both the Georgia State Bar and Supreme Court have consistently said that a Georgia attorney must be physically present at closing:<\/p><p>A lawyer cannot delegate to a nonlawyer the responsibility to \u201cclose\u201d the real estate transaction without the participation of an attorney. Formal Advisory Opinion No. 86-5 also provides that \u201cSupervision of the work of the paralegal by the attorney must be direct and constant to avoid any charges of aiding the unauthorized practice of law.\u201d The lawyer\u2019s physical presence at a closing will assure that there is supervision of the work of the paralegal which is direct and constant. Supreme Court of Georgia, Formal Advisory Opinion 00-3. (Emphasis added).<\/p><p>The Supreme Court of Georgia additionally wrote:<\/p><p>\u2026We have issued formal advisory opinions which confirmed that a lawyer cannot delegate responsibility for the closing of a real estate transaction to a non-lawyer and required the physical presence of an attorney for the preparation and execution of a deed of conveyance (including, but not limited to, a warranty deed, limited warranty deed, quitclaim deed, security deed, and deed to secure debt). Supreme Court of Georgia, In Re: UPL Advisory Opinion 2003-2. (Emphasis added).<\/p><p>The Ethics Committee of the Real Property Section of the State Bar of Georgia also states that an attorney must<\/p><p>\u201cattend the closing of the transaction. An attorney must be physically present at the closing of a transaction and may not telephonically supervise a nonlawyer officiating at the closing.\u201d Ethics Committee of the State Bar of Georgia, Residential Real Estate Closing Procedure Handbook. (Emphasis added).<\/p><p>Not only is an Georgia lawyer\u2019s presence required when closing documents are signed, the Georgia Supreme Court approved an advisory opinion by the Georgia State Bar\u2019s Standing Committee on the Unlicensed Practice of Law that found that the preparation and execution of a deed of conveyance by a non-lawyer represented the unauthorized practice of law:<\/p><p>We have consistently held that it is the unauthorized practice of law for someone other than a duly-licensed Georgia attorney to close a real estate transaction or to prepare or facilitate the execution of such deed(s) for the benefit of a seller, borrower, or lender. Supreme Court of Georgia, In Re: UPL Advisory Opinion 2003-2. (Emphasis added).<\/p><p>This position is shared by the Real Property Section, which maintains that remote notary closings \u201cencourage the unauthorized practice of law.\u201d<\/p><p>Ultimately, at the least, an attorney would not be satisfying his or her ethical obligations by merely sending closing documents to be signed in front of a mobile notary or other similar service. At the worst, an attorney could be seen as aiding the unauthorized practice of law by doing so. There\u2019s unfortunately no way around it: Closing documents simply must be signed in a Georgia lawyer\u2019s presence.<\/p><p>With modern communication technology like Zoom, Microsoft Teams, Google Meet and other video conferencing services, this ethics rule may seem a bit outdated. We sure think so, anyway. And with that in mind, the Real Property Law Section of the State Bar recently asked the Georgia Supreme Court to reconsider their ruling requiring a lawyer\u2019s physical presence when the closing documents are signed. The Supreme Court declined to do so.<\/p><p>So where does that leave someone who isn\u2019t able to come to closing? Unfortunately there are few options. One is to find a licensed Georgia lawyer who is willing to oversee the execution of the closing documents. This is likely to be both difficult and prohibitively expensive. After all, there\u2019s an additional set of attorney\u2019s fees to be paid.<\/p><p>The second option is to appoint an attorney-in-fact who will attend closing and sign all of the closing documents. Using a power of attorney for closing is super easy. And it\u2019s free. We never charge for drafting one.<\/p><p>Or, the simplest solution of all is to make sure everyone can attend closing.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5287\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-5287\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">When are commission checks issued?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5287\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-5287\"><p>Checks are written after closing as soon as we have both collected funds and the lender\u2019s authorization to disburse. For more information, please feel free to request a copy of our funding and good funds notices.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5288\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-5288\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">When can I schedule a closing?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5288\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-5288\"><p>You can request to schedule a closing at any time. However, any closing you schedule will be subject to the Lender\u2019s final approval.<\/p><p>We do prefer that closings be scheduled at least one business day in advance, but understand and will work with you to accommodate same-day scheduling, if at all possible.<\/p><p>We also encourage you to schedule closings for sale transactions earlier in the day in order to allow for sufficient time for funding.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5289\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-5289\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\" ti-arrow-top-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"icon icon-download-arrow\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Who do you write title insurance with?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-5289\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-5289\"><p>Title policies are underwritten by Chicago Title Insurance Company and always include gap coverage. When both an Owner\u2019s and Lender\u2019s policy are being issued, we apply a simultaneous-issue discount to the cost of the owner\u2019s policy.<br \/>Want to know how much your title insurance will be? Contact us and we will do the calculations for you!<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FAQ Home FAQ Where is your office? Our office is conveniently located in the heart of downtown Savannah next to Oglethorpe Square, 127 Abercorn Street, Suite 305, Savannah, Georgia 31401. To whom do I make check payable? Please make checks payable to Law Offices of Jordan Dyke, LLC. Parking Parking is available in the Bryan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-187","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/cwsdemowebsites.com\/jord\/wp-json\/wp\/v2\/pages\/187","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cwsdemowebsites.com\/jord\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cwsdemowebsites.com\/jord\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cwsdemowebsites.com\/jord\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cwsdemowebsites.com\/jord\/wp-json\/wp\/v2\/comments?post=187"}],"version-history":[{"count":106,"href":"https:\/\/cwsdemowebsites.com\/jord\/wp-json\/wp\/v2\/pages\/187\/revisions"}],"predecessor-version":[{"id":340,"href":"https:\/\/cwsdemowebsites.com\/jord\/wp-json\/wp\/v2\/pages\/187\/revisions\/340"}],"wp:attachment":[{"href":"https:\/\/cwsdemowebsites.com\/jord\/wp-json\/wp\/v2\/media?parent=187"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}