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RESIDENTIAL CLOSINGS

YOU FOUND YOUR DREAM HOME

Let Us Help You Close the Deal

You’ve made it through the home search and are ready to close on your new home. Whether you’re closing on your first home or retirement home, the Nelson & Galbreath team is here to help you close the deal.

Close on Your Home in Under 2 Months

Once you’ve found a home, the last thing you want is to be delayed. We’ve crafted a quick and seamless process for getting you in your home in 30-45 days.

We keep you informed every step of the way through email updates so you never have to guess.

contract

Contract Order

The process starts when you email us your contract. That’s how we know you’re ready to get started and we take it from there.

title

7 Day Title

We work diligently to ensure your title is clean. That’s one major and crucial step to an on-time closing.

documents

Detailed Document Prep

We draft your legal documents, including your mortgage, deed of trust, note or deed.

calendar

Smooth Closing

We reach out and set up a date for your closing.

SCHEDULE YOUR CLOSING

WHAT TO BRING TO YOUR CLOSING

And Other Common Closing Questions

New Contract

What is earnest money?

Earnest money is a deposit made that represents a buyer’s good faith intent to buy a property.

Does Nelson & Galbreath LLC hold earnest money in escrow?

If Nelson & Galbreath, LLC will be facilitating the closing, we will gladly act as the escrow agent as well which means we will deposit and hold the earnest money in escrow until the time of closing.

Day of the Closing

Does my spouse need to come?

Yes, if your spouse is (or will be) on the title.  Anyone who is an owner of the property should attend closing.

How long does a closing typically last?

Signing the closing documents takes approximately 30 minutes. If your lender has documents they must review prior to funding your loan, the processing time could take 10-15 minutes longer depending on the lender.

What do I need to bring?

Buyers:

  • Drivers license or another form of photo identification
  • Funds to close
  • “Government-issued” photo identification
  • Everyone who will be on the title to the property

Sellers:

  • Drivers license or another form of photo identification
  • Keys and remotes to be passed on to the buyer
  • Funds to close if applicable
Payments

How do I know how much money to bring to closing?

The lender will provide the total amount to bring to closing if you’re financing the purchase.

If you’re not using a lender, Nelson & Galbreath will provide the total amount to bring to closing on the day prior to your closing.

Do I need to send money ahead of time?

Not required – you may bring the funds with you to your closing.

What forms of payment are accepted?

In South Carolina: Please bring a certified check payable to Nelson & Galbreath, LLC.

In Georgia: Funds $5,000.00 or greater must be wired no later than the day of the closing. Please bring a certified check payable to Nelson & Galbreath, LLC for amounts less than $5,000.00.

Paperwork & Utilities

When will I receive my recorded deed?

The recorded deed should be delivered to you via USPS approximately 1-2 weeks after the closing.

When will I receive my closing documents?

Temporary login credentials will be emailed to you within a day of closing. You may use this information to log in, set a permanent password, and view your closing documents. If you have difficulty or cannot locate the initial email, please call our office at 864.232.3766 and our team will resend the welcome email to you.

When should I change over utilities?

We recommend contacting all utilities prior to the day of closing to ensure the utilities are turned on and accessible.

Titles

What is a title search and why do I need one?

A title search is an examination of public documents that affect the property. These records could include deeds, mortgages, court and tax records, along with other documents.

The purpose of a title search is to ensure the seller has the right to sell the property and to discover any claims to the property.

What is title insurance?

Title insurance is a policy that protects the buyer if any problems result in a claim against their ownership of the property.

It also covers legal costs to defend your title in the event that a neighbor or other party makes a claim.  Even if ultimately there is no problem with your title, the necessary legal defense costs will typically far exceed the one-time premium paid at closing.

Learn More

How long does a title insurance policy last?

The title insurance coverage is valid for as long as the policyholder has an interest in the property. It does not need to be renewed.

What is lender's title insurance?

Lender’s title insurance is paid for by the borrower and protects the lender in the event that the property (which serves as the lender’s collateral) is involved in a title claim.  Lenders require title insurance in practically every transaction where a loan is involved.

Are You Ready to Close on Your Home?

If you are ready for an on-time home closer with a team that will keep you informed throughout the process, contact us today at info@nelsongalbreath.com

GET STARTED TODAY
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