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

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.

What should I bring to my closing appointment?

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.

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

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.

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

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.

Do I need an attorney for my real estate closing?

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.

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

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.

Service

Professional Support

Dedicated partnership for real estate professionals, lenders, and brokers — built around responsive communication.

What We Offer

Built for the professionals who move real estate

Real Estate Agents & REALTORS

We partner with agents and brokers across Tennessee and Georgia to deliver seamless closings for every client. From contract review through recording, we keep you informed with real-time updates, direct access to your closing team, and a commitment to never miss a deadline. Your reputation is our priority — we treat every client like our own. When your buyers and sellers have a smooth closing experience, they remember you for it, and that means repeat business and referrals for years to come.

Direct line to your dedicated closing coordinator
Real-time milestone tracking via online portal
Marketing collateral and open house support
Continuing education credits available

Lenders & Mortgage Companies

We integrate smoothly with your loan origination workflow. Our team understands lender requirements inside and out — from TRID compliance and CD timing to payoff coordination and post-closing document delivery. We close on time so your pipeline stays healthy and your borrowers stay happy. Whether you are a national mortgage bank, a regional credit union, or an independent mortgage broker, we adapt our processes to fit your specific requirements.

TRID-compliant CD preparation and delivery
Same-day funding and document recording
Secure portal for document exchange
Dedicated lender relations manager

Contract Drafting

Our legal team drafts and reviews real estate contracts with precision — purchase agreements, lease-to-own contracts, seller financing notes, and addenda tailored to each transaction. We ensure every term is clear, enforceable, and protective of your interests under Tennessee and Georgia law. Whether you need a standard form customized for an unusual situation or a fully bespoke agreement, we deliver attorney-reviewed contracts that stand up to scrutiny.

Custom purchase and sale agreements
Lease-purchase and owner-financing contracts
Addenda, amendments, and extensions
Attorney-reviewed before delivery

Continuing Education

We offer accredited continuing education courses for real estate professionals throughout the year. Topics range from title fundamentals and fraud prevention to advanced contract negotiation and regulatory updates. Both in-person seminars at our Cleveland, Tennessee office and virtual webinars accessible from anywhere are available. Our courses are designed to be practical — you will leave with knowledge you can apply in your very next transaction.

State-approved CE credit hours
In-person workshops at our Cleveland office
Virtual webinars accessible from anywhere
Custom training for brokerages and teams

Why Riverstone Title

Your closing partner should make you look good— not anxious

Every real estate professional has been there: the title company that goes silent for two weeks, then calls in a panic about a deadline everyone forgot. That is not how we work. At Riverstone Title, we built our entire professional support model around the insight that agents and lenders do not need another vendor — they need a partner who makes their job easier and their clients happier.

When you partner with us, you get a single point of contact who knows your files, responds fast, and communicates proactively. No rotating cast of unfamiliar voices. No call centers. Just a real person who cares as much about your client's closing as you do.

Licensed & Bonded

Attorney-Reviewed

Trusted closing and settlement services — Riverstone Title Tennessee and Georgia

Our Process

We become an extension of your team

01

Onboard & Align

We start with a brief conversation to understand your practice — your volume, your preferred communication style, your pain points with previous title companies. Then we set up your account in our portal, assign your dedicated coordinator, and establish how and when you want to receive updates.

02

Integrate Into Your Workflow

Whether you prefer phone calls, text messages, emails, or portal notifications, we meet you where you are. We attend your team meetings, learn your contract templates, and adapt our process to fit yours — not the other way around.

03

Proactive Communication

You will never have to chase us for a status update. We push milestone notifications automatically and flag potential issues before they become problems. If a deadline is at risk, you hear from us immediately — with a proposed solution, not just a problem report.

04

Close & Grow Together

After each closing, we send a brief satisfaction survey. We review feedback quarterly and continuously refine our partnership. Our goal is not just to close transactions — it is to help you grow your business by delivering an experience your clients rave about.

10,000+

Closings Completed

2 States

TN & GA Licensed

24/7

Client Portal Access

Frequently Asked Questions

Partner questions, honest answers

What makes working with Riverstone Title different from other title companies?

The short answer: communication and consistency. You get a dedicated closing coordinator who knows your files and your preferences — not a rotating cast of processors. We answer emails within hours, return calls the same day, and push status updates before you have to ask. Our agents tell us the biggest difference is that they stop worrying about the closing and can focus on growing their business instead.

Do you offer continuing education credits for real estate agents?

Yes. We host accredited CE courses throughout the year covering title fundamentals, wire fraud prevention, contract law updates, and negotiation strategies. Courses are offered both in-person at our Cleveland, TN office and as live virtual webinars so you can attend from anywhere in Tennessee or Georgia. We are happy to bring a custom CE program to your brokerage office as well.

How quickly can you turn around a contract for review or drafting?

Standard contract review is typically completed within 24-48 hours. For urgent matters — such as a time-sensitive offer or a fast-approaching deadline — we can often turn around same-day. Drafting a custom purchase agreement or seller-financing contract usually takes 1 to 2 business days depending on complexity.

Can you work with my lender even if they are not local?

Absolutely. We work seamlessly with lenders based anywhere in the country — national mortgage banks, regional credit unions, online lenders, and independent mortgage brokers. Our secure document portal and electronic closing capabilities mean physical distance is never a barrier to a smooth transaction.

What support do you provide to new agents or agents new to your area?

We love working with newer agents. We provide one-on-one walkthroughs of the closing process, share educational materials your clients can use, and are always available to answer questions — no matter how basic. Many of our longest-standing agent partnerships started with someone who was brand new to the business and appreciated having a title partner who took the time to explain things clearly.

Ready to close with confidence?

Our team is standing by to guide you through every step of the closing process. Reach out today for a personalized consultation.

Contact Us Back to Services