Our firm writes title insurance policies after a detailed examination of the records of property. Nonetheless, even the most thorough title search by the most experienced attorney cannot provide 100% assurance that no title hazards exist. In addition to matters shown in public records, other title problems may present themselves. Errors in legal documents recorded, forged legal documents, impersonation of the actual property owners, and many other things may cause issues down the road. A title claim can be long, arduous, and expensive, so we aim to ensure you are adequately protected. While we hope you never have a claim against your title, we advise protecting your investment.
Located in Greenville, South Carolina, our team has provided thousands of satisfied clients with real estate closing services throughout all of South Carolina, and practice capabilities reaching into Georgia. We have worked and established relationships with many homeowners, realtors, lenders, investors, relocation companies, and builders since we started in 2009. We have a passion for excellence regarding real estate transactions, and our firm has built a reputation for responsiveness, enthusiasm, and competent execution throughout the entire closing process. B. Bracknell Shuler, LLC is committed to making closings as easy and low-stress as possible for our clients and referral partners. We accommodate traditional and non-traditional closings and have a translator on staff to assist our Spanish-speaking clients. We never lose sight that our clients are our top priority, handling each closing like it’s our only closing.Put our experience and expertise to work for you and trust us to handle your real estate closing needs while you focus on more important things.
In the interest of consumer protection, our State Supreme Court has held that all real estate closings are the practice of law in South Carolina. Therefore, the process must be supervised and certified by a licensed South Carolina attorney. [State v. Buyer Service CO., 357 S.E.2d 15 (S.C. 1986). The Attorney must certify the title opinion, conduct the closing, supervise the recording of documents, and supervise the disbursement of funds.]
Considering today’s increased risk of email phishing and hacking scams, it’s important to be vigilant when sending wired funds for your closing. Cyber Criminals can hack email accounts and send emails with fake wiring instructions in an attempt to defraud unsuspecting people involved in real estate transactions. These emails can be convincing and look official. Always independently confirm your wiring instructions in person or by speaking to a trusted individual at a verified phone number at the place you are sending funds to before wiring them. Also, it should raise red flags if you receive instructions asking you to change where to wire the funds.
Closing day is an exciting time for both buyers and sellers. Make sure you bring the necessary items to closing to ensure a smooth process. Sellers should bring a valid government-issued photo ID, all keys, garage openers, and other items that the new owners may need. Buyers and borrowers should bring two (2) forms of ID- one being a valid government-issued photo ID and proof of funds wired or certified funds in accordance with our office policy.
Keep in mind that if you are selling a house or refinancing all owners on title will need to be present to sign documents. This applies even if not all sellers/borrowers are on the loan or note.
South Carolina entitles buyers to a 4% discounted property tax rate if they are going to use the property as their primary residence. However, buyers don’t automatically get that special rate. They must apply for the 4% primary residence rate with the applicable county assessor’s office and provide supporting documentation showing the property is their legal primary residence to qualify.
Even a thorough title examination by an experienced attorney cannot guarantee with 100% certainty that no title hazards are present. Errors in legal documents recorded, forged legal documents, impersonation of the actual property owners, and other things could cause problems in the future. Title daims are usually long, expensive processes, and your title insurance policy can pay your legal fees, resolve the title problems, or pay your covered loss should a claim arise challenging your title to property.
A Will is a legal document that details your wishes regarding the distribution of your assets and the care of your dependents, if applicable, in the event of your death. A Living Will is a legal document that informs your health care providers and family about your desires for medical treatment in the event you become unable to speak for yourself.
Avoid making the following mistakes during the closing process that could jeopardize your closing.
The closing attorney may disburse funds on a sold property at closing. However, if you are refinancing or taking out a Home Equity Line of Credit (HELOC) on your primary residence the loan is subject to a 3-day right of rescission, and will not be disbursed until three (3) business days after the closing documents are signed.
Office Phone: (864) 520-0290
Office Fax: (864) 520-0291
Disclaimer: *The information provided on this website is for general informational purposes only and is not intended to be legal advice. We do not guarantee the accuracy or completeness of the information provided on this website. Visitors to this website should not act upon the information contained on this website without seeking professional legal counsel. The use of this website does not create an attorney-client relationship between the user and our law firm. If you have specific legal questions, you should consult an attorney licensed to practice law in your jurisdiction.
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