If you are moving to the Upstate from another state, one difference may surprise you: South Carolina is an attorney closing state. A licensed South Carolina attorney must supervise residential real estate closings, which adds an important layer of legal protection for buyers and lenders.
What Does a Closing Attorney Do?
- Performs or reviews the title search to confirm ownership and identify liens
- Coordinates title insurance for the buyer and lender
- Works with the lender to prepare and review loan documents
- Prepares the settlement statement and handles the disbursement of funds
- Oversees signing and records the deed and mortgage with the county
- Answers legal questions about the documents you are signing
Who Chooses the Attorney?
In South Carolina, the buyer typically selects the closing attorney, and the choice is usually noted in the purchase contract. Your agent can share names of attorneys clients have used, but you are free to choose any licensed attorney.
What Happens on Closing Day?
- You complete a final walk-through of the home.
- You bring identification and any funds due, usually by wire or certified funds as instructed by the attorney's office.
- You review and sign loan and closing documents with the attorney or their staff.
- The attorney disburses funds and records the deed, and you receive your keys based on the terms of your contract.
Protect Yourself From Wire Fraud
Always confirm wiring instructions by calling the attorney's office at a phone number you know is legitimate. Never rely on wiring instructions sent only by email, and be cautious of last-minute changes.
How Much Does It Cost?
Attorney fees vary by firm and transaction. Ask for an estimate early, and review the fees on your Loan Estimate and Closing Disclosure.
Learn more about the full process in our First-Time Home Buyer Guide, or contact me with questions about buying in the Upstate.
This article is general information and not legal advice. Consult a licensed South Carolina attorney about your transaction.
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