Question 1

How long does a typical residential closing take in Tennessee or Georgia?

Accepted Answer

A standard residential closing typically takes 30 to 45 days from contract to closing table. Cash transactions can close in as little as 7 to 14 days. The timeline depends on the lender's underwriting process, the complexity of the title search, and any curative work required. At Riverstone Title, we keep things moving — our 98% on-time rate means you can plan with confidence.

Question 2

What should I bring to my closing appointment?

Accepted Answer

Bring a government-issued photo ID (driver's license or passport), and if funds are required from you at closing, a cashier's check or proof of wire transfer. We will let you know the exact amount at least 24 hours before closing. If you are purchasing the property through a trust, LLC, or corporation, please bring your entity documents as well.

Question 3

Can I close on a property remotely if I live out of state?

Accepted Answer

Absolutely. We offer full remote closing services including e-signatures and remote online notarization where permitted by law. If you prefer an in-person experience but cannot travel to our offices in Cleveland, TN or Ringgold, GA, we can send a mobile closing agent to your location anywhere in our service area.

Question 4

What is the difference between a title search and title insurance?

Accepted Answer

A title search is the investigative process of examining public records to identify any defects, liens, or encumbrances on the property's title. Title insurance is the policy that protects you (or your lender) financially if a covered title defect is discovered after closing. The search identifies what is there — the insurance protects you from what might have been missed or what surfaces later.

Question 5

Do I need an attorney for my real estate closing?

Accepted Answer

In Tennessee and Georgia, real estate closings are typically handled by title companies and settlement agents rather than attorneys — though attorneys are certainly welcome to participate. At Riverstone Title, every closing is reviewed by an experienced title professional, and our team includes access to legal counsel for complex title issues. That said, if you have specific legal questions about your contract or situation, consulting an independent real estate attorney is always a prudent choice.

Question 6

How much does a closing cost, and who pays for what?

Accepted Answer

Closing costs vary by transaction but typically range from 2% to 5% of the purchase price. In Tennessee and Georgia, costs are customarily split between buyer and seller according to the purchase contract. The buyer generally pays for lender-related fees, the lender's title policy, and prepaid items like taxes and insurance. The seller typically covers the owner's title policy and real estate commissions. We provide a detailed settlement statement before closing so there are no surprises.

Ready to close with confidence?