Question 1

What is the difference between owner's title insurance and lender's title insurance?

Accepted Answer

Lender's title insurance protects your lender's interest in the property and is typically required. Owner's title insurance protects your own equity and ownership rights against future title claims. We strongly recommend purchasing owner's title insurance for your peace of mind.

Question 2

What is a title search and why is it important?

Accepted Answer

A title search examines public records to confirm the seller's legal right to transfer ownership and identify any liens, judgments, or encumbrances on the property. Our attorneys conduct thorough title examinations to ensure you receive clear, marketable title.

Question 3

What is a real estate closing attorney and why do I need one in NC/SC?

Accepted Answer

In North and South Carolina, state law requires a licensed attorney to oversee all real estate closings. Our attorneys examine the title, prepare closing documents, disburse funds, and record the deed — protecting your investment every step of the way.

Question 4

What documents do sellers typically need at closing?

Accepted Answer

Sellers should bring a valid government-issued photo ID and wiring instructions for proceeds. If you have a power of attorney acting on your behalf, that document must be executed properly, reviewed by our office, and approved prior to closing.

Question 5

What documents do buyers typically need at closing?

Accepted Answer

Buyers should bring a valid government-issued photo ID, any documents requested by the closing attorney or lender. Funds over $5,000.00 must be in the form of a wire transfer.

Question 6

Can I close remotely or via Power of Attorney?

Accepted Answer

Yes, in some circumstances we can accommodate remote closings or Power of Attorney arrangements. However, all POA documents must be reviewed and approved by our office in advance. Please contact us as early as possible if you anticipate needing this accommodation.

Question 7

How long does a typical real estate closing take?

Accepted Answer

Most residential closings take between 60 to 90 minutes. Cash transactions tend to be quicker, while financed purchases may take longer depending on lender requirements. We recommend arriving 10–15 minutes early to review documents.

Question 8

How far in advance should I complete the Buyer or Seller Information Sheet?

Accepted Answer

As soon as possible. This gives our team time to order title searches, payoff letters, and prepare all required documentation. Failure to submit these forms in a timely manner may result in a delay in closing.

Frequently Asked Questions

What is the difference between owner's title insurance and lender's title insurance?

What is a title search and why is it important?

What is a real estate closing attorney and why do I need one in NC/SC?

What documents do sellers typically need at closing?

What documents do buyers typically need at closing?

Can I close remotely or via Power of Attorney?

How long does a typical real estate closing take?

How far in advance should I complete the Buyer or Seller Information Sheet?

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