If a mortgage lender requires a current map or survey of the property, you will bear the cost of a new survey. We will order the survey if you or your lender desires and collect the survey fee from you at closing. You will, of course, be given copies of the survey at closing. It is important that you or your agent contact us well in advance of closing to inform us whether a survey is desired. If we do not hear from you or your agent regarding the decision to order a survey within seven days of closing, we will not order the survey.


A survey may be beneficial to you in determining, among other things, whether the property of your neighbor encroaches the property or whether an improvement has been erected which encroaches on the property. The title insurance company will insure you without a survey, but may reject a claim regarding defects that could have been disclosed by an accurate survey. It is our recommendation that every buyer obtain a survey at the closing.

If a mortgage lender requires a current map or survey of the property, you will bear the cost of a new survey. We will order the survey if you or your lender desires and collect the survey fee from you at closing. You will, of course, be given copies of the survey at closing. It is important that you or your agent contact us well in advance of closing to inform us whether a survey is desired. If we do not hear from you or your agent regarding the decision to order a survey within seven days of closing, we will not order the survey.


A survey may be beneficial to you in determining, among other things, whether the property of your neighbor encroaches the property or whether an improvement has been erected which encroaches on the property. The title insurance company will insure you without a survey, but may reject a claim regarding defects that could have been disclosed by an accurate survey. It is our recommendation that every buyer obtain a survey at the closing.

You, your realtor, or your lender should ensure that the improvements on the property will be insured against flood, fire and other casualties with a reputable company, and that the insurance will be effective as of the date and time of closing. You, your realtor, or your lender should order the policy and ensure that it is delivered to us and the lender at least one day prior to the closing.

You, your realtor, or your lender should ensure that the improvements on the property will be insured against flood, fire and other casualties with a reputable company, and that the insurance will be effective as of the date and time of closing. You, your realtor, or your lender should order the policy and ensure that it is delivered to us and the lender at least one day prior to the closing.

While it is customary to transfer the keys to the property at closing, the Standard Offer to Purchase indicates the keys shall be transferred at the time the Deed is recorded. The deed cannot be recorded until we have received all of the funds from you, your lender, and the seller, if applicable. As a general rule, we cannot record a deed the same day for a closing that is scheduled any later than 12:00 PM. We encourage you or your agent to discuss the transfer of keys with the seller before the closing and to contact us in the event that you have any questions.

While it is customary to transfer the keys to the property at closing, the Standard Offer to Purchase indicates the keys shall be transferred at the time the Deed is recorded. The deed cannot be recorded until we have received all of the funds from you, your lender, and the seller, if applicable. As a general rule, we cannot record a deed the same day for a closing that is scheduled any later than 12:00 PM. We encourage you or your agent to discuss the transfer of keys with the seller before the closing and to contact us in the event that you have any questions.

All amounts due from you at closing must be in the form of either certified funds or confirmed wire transfer of funds. All checks should be made to “The Bain Group, PLLC.” If you plan to pay by check, it should be delivered at the closing. If you plan to pay by wire transfer of funds, these should be wired into our Trust Account at least three hours prior to the closing if possible. We may choose to accept uncertified funds in the amount of $1,000 or less in our sole discretion. Please check with us before you bring us uncertified funds. We reserve the right to refuse to accept a check that in our sole discretion does not appear to comply with the requirements of the law.

All amounts due from you at closing must be in the form of either certified funds or confirmed wire transfer of funds. All checks should be made to “The Bain Group, PLLC.” If you plan to pay by check, it should be delivered at the closing. If you plan to pay by wire transfer of funds, these should be wired into our Trust Account at least three hours prior to the closing if possible. We may choose to accept uncertified funds in the amount of $1,000 or less in our sole discretion. Please check with us before you bring us uncertified funds. We reserve the right to refuse to accept a check that in our sole discretion does not appear to comply with the requirements of the law.

Examination of title is an important matter, but even the most careful examination may fail to reveal certain defects in title. This is the primary reason that lenders require title insurance. We will be securing for the lender a title insurance policy in the amount of the loan principal. We will also secure for you an owner's policy of title insurance that will be issued in the amount of the contract sales price. You will be required to pay the title insurance premium, which is computed at a rate determined by statute. This is a one-time fee paid to the title insurance carrier, which covers you for any defects in the title of the property.

Title Insurance coverage may only be issued in North Carolina upon a title search and opinion by an independent attorney licensed in this state. Attorneys must be approved through the title insurance company, and achieve this approval only after a review of their training, experience, and financial responsibility. The approved Attorney represents your interest in the transaction and can advise you regarding title issues that may arise. The Bain Group, PLLC is duty bound to render to you competent service and ethical conduct throughout the transaction.

Examination of title is an important matter, but even the most careful examination may fail to reveal certain defects in title. This is the primary reason that lenders require title insurance. We will be securing for the lender a title insurance policy in the amount of the loan principal. We will also secure for you an owner's policy of title insurance that will be issued in the amount of the contract sales price. You will be required to pay the title insurance premium, which is computed at a rate determined by statute. This is a one-time fee paid to the title insurance carrier, which covers you for any defects in the title of the property.

Title Insurance coverage may only be issued in North Carolina upon a title search and opinion by an independent attorney licensed in this state. Attorneys must be approved through the title insurance company, and achieve this approval only after a review of their training, experience, and financial responsibility. The approved Attorney represents your interest in the transaction and can advise you regarding title issues that may arise. The Bain Group, PLLC is duty bound to render to you competent service and ethical conduct throughout the transaction.