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Does a Buyer Need an Attorney at a Real Estate Closing?

Purchasing a home is a major decision that comes with a lot of responsibility. There are important steps that you must take when buying a home such as saving for a down payment, having the property appraised, ensuring that the seller will make necessary repairs, making sure the title is proper, and attending the closing. A closing of real property (or settlement) is the final step in executing a real estate transaction. It is the meeting, usually held at a title company, where the final documents pertaining to the transaction are signed by all parties; the funds are transferred as well. Many people attend the closing and feel intimidated because of all of the various documents and confusing legal jargon present on each contract. Because of this, it is very important to have an attorney by your side throughout the entire home buying process, and certainly at the closing.


Before retaining an attorney, you should have a clear understanding of what the attorney will do to assist you. First, an attorney will examine the title records to determine whether there are any prior conveyances, unpaid mortgages, easements, liens or anything else that would make the title unclean to pass. The attorney will verify that the seller has the authority to transfer good title of the property and that there are no errors on the deed that could make transferring title difficult. Additionally, the attorney will review and negotiate the specific terms of the contract and help you understand and assess various financing options.


Prior to and at the actual closing, the attorney’s role is to provide a thorough explanation of all the documents that you must sign.  These documents might include the mortgage and its obligations, the quality of title, and a host of other forms. Once all closing documents are signed at the closing, the title company will then disperse any funds owed, record relevant documents as public records and prepare title insurance policies for the purchaser and lender. The attorney then receives all documents from the title company to review and confirm that there were no errors in the closing and funding process.


Understanding all of the steps involved in the purchase of a home may be a bit confusing and overwhelming. Because of this, hiring an attorney is a crucial decision that will alleviate your stress, and ensure that no step is missed. At Knight, Morris & Reddick Law Group, we understand that at the final step of purchasing a home, the last thing anyone wants to do is shell out more money. For that reason, we do not require a retainer fee and the attorney fees are paid through the closing funds. If you are purchasing a home, or even thinking about purchasing, feel free to give us a call at 312.574.0181, email us at, or visit us at to see how we can to meet your legal needs.





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Knight Morris & Reddick Law Group
333 S. Wabash Avenue, Suite 2700
Chicago Illinois 60604

Call: 312-574-0181
Fax: 312.212.3007