2218 Marlow Court, Atlanta, GA. Your closing file.
Closing is Friday, November 20, at 10:30.
Hannah and Luca Brandt
On track. Nothing is late.
- Open on the file
- 8
- Yours
- 3
- Days to closing
- 8
Yours next: get the insurance binder to Pinecrest and to us, by Mon, Nov 16.
Dalia updates this page from the file every time something moves. Last update: Thu, Nov 12, 9:40 a.m.
Eight things are open on the file. Three are yours.
8 days to closing. 6 of 14 steps are done. Waiting on the seller for the payoff letter, due Fri, Nov 13.
Where the file stands
Thursday, November 12
Drag the handle, or press the arrow keys, to see the file as it stood on another day.
Dates are targets. They move when the lender or the other side moves, and when one does, we tell you as soon as we know.
What's needed, and from whom
This list is for the buyers. Pick another role at the top of the page to see someone else's.
On you
Homeowner's insurance binder
Your insurance agent sends it to Pinecrest and to us. We need it before the lender will fund.
Final walkthrough, Thursday 5 p.m.
Buyers and their agent at the house. If anything is wrong, call us that night.
Cash to close, by wire
The exact amount comes from the final Closing Disclosure. Call us first, then wire.
Waits on the final Closing Disclosure.
On everyone else
Payoff letter from the seller's lender
Greenbrook Mortgage sends it straight to us. The seller only has to ask for it.
Final Closing Disclosure sent
The lender's final numbers. Buyers receive it at least three business days before closing.
Deed and closing documents drafted
Warranty deed, security deed and the Georgia transfer tax form, ready for review.
Settlement statement matched line by line
We reconcile it against the Closing Disclosure and the payoff before anyone signs.
Waits on the payoff letter and the final Closing Disclosure.
Utilities and keys list
Who to call, which meters, how many keys, garage remotes, gate codes.
Done so far (6)
Earnest money wired
$6,000 into our trust account, confirmed by phone.
Inspection and repair request
Report reviewed, request sent to the seller's side.
Title search and commitment
Chain of title checked back to the last arm's-length sale. Clean.
Appraisal received
Came in at the contract price.
Repairs agreed, receipts sent
Roof flashing and the back-door threshold. Receipts are in the file.
Loan approved, clear to close
Pinecrest cleared the file with no open conditions.
The money, line by line
Estimates until the final Closing Disclosure arrives. Sample figures for this demo.
- Final Closing Disclosure
- Not here yet. Due Mon, Nov 16.
- Seller's payoff letter
- Not here yet. Due Fri, Nov 13.
What you bring to closing
Cash to close
| Purchase price | $612,000.00 |
|---|---|
| New loan from Pinecrest | −$489,600.00 |
| Lender charges and prepaid interest | $6,214.50 |
| Owner's title insurance | $1,862.00 |
| Our flat closing fee (what it covers is below) | $1,250.00 |
| Georgia intangible recording tax on the loan | $1,470.00 |
| Recording fees | $86.00 |
| Earnest money already paid | −$6,000.00 |
| Seller credit toward your costs | −$4,000.00 |
| Seller's share of this year's property taxes | −$1,380.00 |
| Cash to close | $121,902.50 |
Wired to us, never mailed.
What our flat fee covers
Included
- Title examination review and the closing opinion.
- Preparing the deed and closing documents for the seller, or reviewing the loan documents for the buyers.
- Running the closing, and holding and paying out every dollar through our attorney trust account.
- Recording with the county Clerk of Superior Court, and sending you the recorded copies.
Not included
- Title insurance premiums, taxes, recording fees and lender charges. Each is its own line in the ledger above.
- Separate legal work if a title problem turns up. We quote it in writing before we start.
Flat fees apply to this file only and were set in the engagement letter dated October 16, 2026.
Wiring money
We will never change wire instructions by email.
You wire cash to close by Thursday, 5 p.m.
We give you wiring details on the phone, never by email, text or this page, and you read them back to us. If an email says our instructions changed, call us before you move a dollar.
Call the office (404) 555-0142- Call the office after you get your final Closing Disclosure.
- We read the account details out loud. You read the last four digits back.
- You wire the exact amount on the Disclosure, then call to confirm it landed.
At the table: 45 minutes, start to keys
Bring a government photo ID. The cash to close is already wired, so no checkbook.
We check every ID against the contract. Same names on the paperwork as on the cards.
Nobody signs this one.
We read both side by side. If any number is off, we stop here and fix it. Nothing is signed yet.
You sign this one.
The buyers' promise to repay the loan. Amount, rate and monthly payment, in writing.
You sign this one.
In Georgia this is what secures the loan against the house. It's recorded with the county.
You sign this one.
The seller transfers the house to the buyers. This is the page that makes it theirs.
The seller signs this one. You don't.
The seller confirms no unpaid contractors or liens that we don't already know about.
The seller signs this one. You don't.
The state form that reports the sale price. We file it with the deed, and the tax comes out of the seller's proceeds.
The seller signs this one. You don't.
Occupancy, tax and insurance forms the lender requires. Short, and we explain each one.
You sign this one.
Once the lender confirms funding, the seller's agent hands over keys, remotes and codes.
Nobody signs this one.
Photo ID and who's who
We check every ID against the contract. Same names on the paperwork as on the cards.
Nobody signs this one.
After you sign
- 11:15
- The buyers get the keys, as soon as the lender confirms funding.
- After funding
- We record the deed and security deed with the county Clerk of Superior Court.
- Our goal: same afternoon
- The seller's proceeds and the agents' commissions go out by wire. We aim to have them moving within hours of funding, and we call you when they are.
- Once the clerk returns them
- We send everyone the recorded copies and the final settlement statement.
