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Video instructions and help with filling out and completing Respa section 9
Instructions and Help about Respa section 9
Hello everybody call your sweater in Birmingham Alabama hope everybody's having an awesome day wanted to touch base with everybody about closing attorneys and who selects them who selects the title insurance and that sort of thing under Alabama's state law and you know what is a real issue here in Birmingham there's been this myth for all these years here in Birmingham did the seller decides who picks the clothes an attorney and that couldn't be farther from any codified law of any kind it's not in any document if you if you know of there's a lot of Realtors with a Realty south in particular who also has a title company and those guys are always adamant about using title south because it's their own and really I always ask them can you show me where it says that the seller chooses the attorney because everybody's got to remember the closing attorney represents the bank they lender in the transaction and as such the lender ultimately can decide who closes the transaction both sides are able to have their own representation they'd like happens rarely but they're allowed to have own attorneys be present at that closing and review all the documents but ultimately the lender is the one being represented you probably have signed documents like that but a lot of times agents obviously want to help out their service providers are there they're closing attorneys and they know and trust but what I think these Birmingham real estate agents have got to understand is that almost everywhere else in the state Alabama the buyer chooses and let's talk about why that if you really were to look at the closest next solo closest connection from that lender to the transaction it's through the buyer and the buyer is the one that ultimately will face the consequences if that lender lender's attorney makes a mistake and I think until this myth is broken here in Birmingham hagas will continually have this dispute when it comes to contract writing on who gets to choose and I think it has got to be an brokers and particularly going to be real careful when they have their own closing company like really South does be real careful about making sure that they explained to the to their cellars and their buyers they got a choice of this that is it's their choice ultimately of where it closes from it is not ultimately up to the age ultimately it's up to the lender and the lenders as a courtesy here in Birmingham typically will allow the agents to decide as long as they're on an approved list with these banks so anyway just want to clarify that because there's a lot of misinformation out there I hope a lot of the Realtors here in Birmingham will actually watch this video because I think they'll learn something so anyway if you've got questions comments email me Collier at mega agent real.