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Do I need a real estate lawyer to buy or sell a house?

STATEState law decides who may run a closing and handle a deed; the closing disclosures, the right to cancel a refinance and the foreclosure servicing rules are federal (Regulations Z and X).Checked by the Justice legal team against official sources · Last reviewed 8 free tools on this page
Cyanotype print: a house key on a ring resting on a folded deed, beside a fountain pen and a hanging plumb bobAI-generated image

Short answer

Often not: in most of the country a settlement agent from a title insurance company runs the closing, the CFPB says. But some states require a lawyer, including Delaware, Massachusetts and North Carolina. And no one at the closing represents only you unless you hire your own lawyer; the lender's or seller's attorney does not.

Key points

Who closes
Usually a settlement agent from a title company; in the West often an escrow agent. Some states require a closing attorney: Delaware by a court ruling, Massachusetts by statute, North Carolina by a State Bar opinion.
Closing dates
You must receive the Closing Disclosure at least 3 business days before closing, and you can cancel a refinance until midnight of the third business day. For these rules Saturdays count.
Foreclosure
No first foreclosure notice or filing until the loan is more than 120 days delinquent. A complete application more than 37 days before a sale gets a written answer within 30 days.
Wire fraud
Never wire closing money because of an email. Confirm the instructions by phone at a number you saved earlier; if money went out, call your bank for a wire recall and report it at ic3.gov.

A real estate lawyer gives legal advice on buying, selling and owning property: the contract, the title, the deed, the closing, and disputes such as a foreclosure or a co-owner on the deed. This page helps you decide whether you need one: which states require a lawyer at closing, your federal closing and foreclosure dates as calculators, what to do about wire fraud, a letter to your mortgage servicer, the cost, free help, and the official place to check a lawyer's license.

For the property rules themselves, start with the Real estate & land guides. Nothing here ranks or recommends a lawyer or a firm.

Do you need a real estate lawyer? What the law says, state by state

Often the law does not require one. "Depending on your state's laws, you may not be required to have an attorney at the closing," the CFPB says. Who runs the closing depends on the state: in most of the country, a settlement agent from a title insurance company; in other states, particularly in the West, an escrow agent, and the parties usually sign separately; and some states, particularly in the Northeast and South, require a closing attorney. CFPB: Do I need an attorney · CFPB: Shop for closing services

Only your own lawyer represents you. Unless you hire an attorney to represent you, no one else at the closing exclusively represents your interests. The lender's or seller's attorney does not represent you, and where a state requires an attorney at the closing, that attorney has a primary responsibility to the lender. CFPB: Do I need an attorney

Where the law gives a lawyer a role in a home closing. Only states whose rule this page read today on an official site are listed:

StateWhat the law saysSource
DelawareA Delaware lawyer is required to conduct the closing of a sale or a refinance of Delaware real property, and to draft or review the documents that transfer title, except some home equity loans where the lender acts for itself.Delaware Supreme Court, Matter of Mid-Atlantic Settlement Services, Inc. (May 31, 2000), approving the Board on the Unauthorized Practice of Law
MassachusettsFor a purchase-money first mortgage on a home for up to four families, the lender's attorney must give you a certification of title. A 2023 law adds that only a Massachusetts attorney may direct or manage a closing of a 1- to 4-family home or take listed steps such as advising on title, drafting the deed or managing the money (its definitions start with closings that use communication technology); a non-attorney may oversee the signing under an attorney's direction or supervision.Mass. Gen. Laws c. 93, § 70; c. 221, § 46E (added 2023)
North CarolinaA North Carolina lawyer must supervise the legal work of a home closing: without that supervision a non-lawyer may not prepare deeds, pass upon titles or give legal advice. A non-lawyer may present the documents for signing and disburse the funds.North Carolina State Bar, Authorized Practice Advisory Opinion 2002-1 (revised 2012), applying N.C. Gen. Stat. §§ 84-2.1 and 84-4
South CarolinaYou choose the closing lawyer. For a home loan for personal, family or household use, the lender must ask you before closing which lawyer you want to represent you in the closing.S.C. Code § 37-10-102(a)
TexasDeeds for pay are lawyers' work. Only a Texas lawyer, a licensed real estate broker or salesperson acting as one, or someone in a mineral deal may charge for preparing a deed, deed of trust, note, mortgage or lien release.Tex. Gov't Code § 83.001
Every other stateNot checked for this page. Ask the company handling your closing what your state requires and who will be there.CFPB: Who should I expect to see at my mortgage closing?

Quick guide

Do you need a real estate lawyer? Find the part that applies to you

1. What is going on?

Pick what is true for you.

It points to the part of this page that fits, in the page's own words. Nothing you choose is saved or sent. Not legal advice.

What a real estate lawyer does for a buyer and a seller

A real estate lawyer gives you legal advice on the deal and the property, and represents you, not the lender or the seller. The tasks that the laws above reserve to lawyers show the job: examining and explaining the title, drafting the deed and other documents, explaining the contract and the loan papers, and handling the closing money. N.C. State Bar Opinion 2002-1 · Mass. Gen. Laws c. 221, § 46E

StageFor a buyerFor a seller
Before you sign the purchase contractReads or negotiates the contract: price, deposit, deadlines, inspection, financing, and what happens if the deal fails.Drafts or reviews the contract and what you promise about the property.
Title and surveyReads the title commitment and its exceptions, and the survey, and asks for problems to be cleared before closing.Clears liens, old mortgages and other clouds on the title, so you can deliver what the contract promises.
Loan papersCompares the Closing Disclosure with the Loan Estimate and explains the note and the mortgage.Asks for the payoff figure of your mortgage, so it is paid from the sale.
DeedChecks the deed you receive and how you will hold title, for example with a co-owner.Prepares the deed. In Texas only a lawyer, or a broker acting as a broker, may charge to prepare one (Tex. Gov't Code § 83.001).
ClosingRepresents you at the table, where the lender's or seller's attorney does not.Represents you and checks who pays which cost; in New York the seller pays the state transfer tax (N.Y. Tax Law § 1404(a)).

Deeds are not all alike. A quitclaim deed transfers only the interest the grantor has, with no promise that the grantor owns the property; see Quitclaim deed. A transfer on death deed passes a home at death without probate in the states that allow it (map below). California DRE Reference Book

When to call one. The most useful moment is before you sign the purchase contract, because the contract sets the terms. The 3 business days before closing are the last calm moment to review the numbers. And if something at the closing table does not add up, the CFPB says: "don't be afraid to stop the closing." CFPB: Close the deal

Your closing dates under federal law: the 3 business day rules

Federal law, not your state, sets the dates of a home loan closing. The TILA-RESPA rules in Regulation Z give you the Loan Estimate soon after you apply and the Closing Disclosure before you sign, and let you cancel a refinance. 12 C.F.R. §§ 1026.19, 1026.23

WhatThe ruleHow the days countLaw
Loan EstimateDelivered or mailed not later than the third business day after the lender receives your application, and not later than the seventh business day before closing. Applied on Monday: due by Thursday, if each weekday is a business day.For the 3 days: days the lender's offices are open for substantially all of its business, so the tool below does not count it. For the 7 days: Saturdays count.12 C.F.R. § 1026.19(e)(1)(iii)
Closing DisclosureYou must receive it at least 3 business days before closing. Handed to you on Monday, the closing can be on Thursday.Every day except Sundays and legal public holidays: Saturdays count.12 C.F.R. § 1026.19(f)(1)(ii)
A Closing Disclosure mailed or emailedConsidered received 3 business days after it is mailed or sent, unless the lender can show you got it sooner. Emailed on Monday, it counts as received on Thursday.Saturdays count; Sundays and legal public holidays do not.12 C.F.R. § 1026.19(f)(1)(iii)
A refinance or home equity loan: the right to cancelUntil midnight of the third business day after the last of: signing, the notice of your right to cancel, and the key disclosures. Up to 3 years if the notice or the disclosures were never given.Saturdays count; Sundays and legal public holidays do not.12 C.F.R. § 1026.23(a)(3)
After you cancelThe lender returns your money within 20 calendar days after it gets your notice.Every day counts.12 C.F.R. § 1026.23(d)(2)

Two kinds of business day. For the Loan Estimate, a business day is a day the lender's offices are open to the public for substantially all of its business. For the Closing Disclosure and the right to cancel, the rule is precise: all calendar days except Sundays and the legal public holidays, such as New Year's Day, the Birthday of Martin Luther King, Jr., Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day and Christmas Day. So Saturdays count. 12 C.F.R. § 1026.2(a)(6)

Tip. There is no "3-3-3 rule" in the federal closing rules. The threes that are law are these: the Loan Estimate by the third business day after you apply, the Closing Disclosure at least 3 business days before closing, and 3 business days to cancel a refinance.
  • A new 3-day wait. If the annual percentage rate becomes inaccurate, the loan product changes or a prepayment penalty is added before closing, you must get a corrected Closing Disclosure at least 3 business days before closing. 12 C.F.R. § 1026.19(f)(2)(ii)
  • Waiving the wait is allowed only for a bona fide personal financial emergency, in a dated written statement that describes it and is signed by every borrower. 12 C.F.R. § 1026.19(f)(1)(iv)
  • No right to cancel a loan to buy or build your main home, a refinance with the same lender that adds no new money, or a loan from a state agency. Cancelling a refinance does not cancel your old loan. CFPB · 12 C.F.R. § 1026.23(f)

Calculator

Your closing dates under federal rules

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2. Which date?

Fill in the steps to see the answer.

Uses only the numbers on this page, each from its official source. Nothing you type leaves your device. Not legal advice.

Wire fraud at closing: what to do before and after you send money

Scammers send emails that look like they come from your real estate agent, settlement agent or lawyer, with a last-minute change to the wiring instructions for your closing money. "Don't wire money in response to an unexpected email. It's a scam," the FTC says. FTC: Home equity loans · CFPB: Mortgage closing scams

  • Pick two trusted people early, such as your real estate agent and your settlement agent, and talk through in person or by phone how the closing money will be sent. Write down their numbers. CFPB
  • Confirm the instructions by phone, at a number you saved earlier, never one in the email. CFPB · FTC
  • Do not click links or open attachments in a closing email until you have confirmed it, and never email financial information. CFPB
  • Be careful on the phone too: scammers also call and ask you to verify personal information. CFPB
Watch out. If you already sent the money: call your bank or wire-transfer company immediately and ask for a wire recall; reporting it as soon as possible can increase the chance of getting the money back. Then file a complaint with the FBI's Internet Crime Complaint Center at ic3.gov. CFPB: Mortgage closing scams

Title insurance, and who you use for the closing

PolicyProtectsRequired?
Lender's title insuranceThe lender, against problems with the title. It does not protect your investment in the home (your equity).Most lenders require you to buy it.
Owner's title insuranceYou, if someone claims a right to the home from before you bought it, for example from a previous owner's unpaid taxes or a contractor who was not paid.Typically not required by the lender: optional for you.
  • You can usually shop for title insurance separately from your mortgage, and buying both policies from the same company usually costs less in total. The lender's suggested providers may be its affiliates. CFPB: Owner's title insurance · CFPB: Shop for closing services
  • The seller cannot make you use its title company. A seller who requires the buyer to buy title insurance from a particular company as a condition of the sale is liable to the buyer for three times all the charges for that title insurance. 12 U.S.C. § 2608
  • No referral fees. Federal law bans any fee, kickback or thing of value for referring settlement business on a federally related mortgage loan. The penalty is a fine of up to $10,000, up to 1 year in prison, or both, and liability for three times the charge. 12 U.S.C. § 2607(a), (d)

A co-owner on the deed: when you cannot agree

A co-owner on the deed owns part of the property. When co-owners cannot agree, the statutes this page read give a court case called partition: the court divides the property among the owners or, where it cannot be divided, can order a sale. The statutes:

  • Texas. A joint owner or claimant of real property may compel a partition among the joint owners or claimants, in a district court of a county where any part of the property is.Tex. Prop. Code §§ 23.001, 23.002
  • Florida. Any one or more joint tenants, tenants in common or coparceners may file a partition action against their cotenants; partition actions are in chancery, and the chapter provides for a sale where the land cannot be divided. Part II is the Uniform Partition of Heirs Property Act.Fla. Stat. §§ 64.011, 64.031, 64.071, 64.201-64.214
Watch out. Fast removal of squatters is not for co-owners. Florida's sheriff procedure for unauthorized occupants requires the owner to swear that the people to be removed are not an owner or a co-owner and are not listed on the title. See Adverse possession and squatters. Fla. Stat. § 82.036

Partition statutes in other states were not checked for this page. A lawyer in the state where the property is can tell you which one applies and whether a buyout or a sale is possible.

Real estate law by state: adverse possession and transfer on death deeds

Two state rules this guide has already read from each state's own law: how many years someone must openly use land before a claim by adverse possession, and whether a home can pass at death with a transfer on death deed. The full rules, with the exceptions, are in Adverse possession and Transfer on death deed.

StateAdverse possession: general periodTransfer on death deedLaw
Arizona10 yearsYes: beneficiary deedA.R.S. § 12-526; Ariz. Rev. Stat. § 33-405
California5 yearsYes: revocable transfer on death (TOD) deedCal. Code Civ. Proc. § 325; Cal. Prob. Code §§ 5600-5698
Colorado18 yearsYes: beneficiary deedC.R.S. § 38-41-101(1); Colo. Rev. Stat. §§ 15-15-401 to 15-15-415
Connecticut15 yearsNot checked for this pageConn. Gen. Stat. § 52-575
DelawareNot checked for this pageYes: transfer on death deedDel. Code tit. 25, §§ 201-216 and following (ch. 2)
District of ColumbiaNot checked for this pageYes: transfer on death deedD.C. Code §§ 19-604.01 to 19-604.19
Florida7 yearsNot checked for this pageFla. Stat. § 95.18
Georgia20 yearsYes: transfer-on-death deedO.C.G.A. § 44-5-163; O.C.G.A. §§ 44-17-1 to 44-17-7
HawaiiNot checked for this pageYes: transfer on death deedHaw. Rev. Stat. ch. 527
Illinois20 yearsYes: transfer on death instrument (TODI)735 ILCS 5/13-101; 755 ILCS 27 (Real Property Transfer on Death Instrument Act)
KansasNot checked for this pageYes: transfer-on-death (TOD) deedK.S.A. 59-3501 to 59-3507
KentuckyNot checked for this pageNo2026 Ky. SB 34 (not enacted)
MaineNot checked for this pageYes: transfer on death deed18-C M.R.S. §§ 6-401 to 6-417
Maryland20 yearsYes: transfer-on-death deedMd. Code, Cts. & Jud. Proc. § 5-103; Md. Code, Real Prop. §§ 14-1001 to 14-1014 (2026 Md. Laws ch. 751)
Michigan15 yearsNot checked for this pageMCL 600.5801(4)
Minnesota15 yearsYes: transfer on death deedMinn. Stat. § 541.02; Minn. Stat. § 507.071
MississippiNot checked for this pageNo2020 Miss. H.B. 729 (died in committee)
Missouri10 yearsYes: beneficiary deedRSMo § 516.010; Mo. Rev. Stat. § 461.025
MontanaNot checked for this pageYes: transfer on death deed (earlier: beneficiary deed)Mont. Code Ann. §§ 72-6-401 to 72-6-418
NebraskaNot checked for this pageYes: transfer on death deedNeb. Rev. Stat. §§ 76-3401 to 76-3424
NevadaNot checked for this pageYes: deed upon deathNev. Rev. Stat. §§ 111.655 to 111.699
New HampshireNot checked for this pageYes: transfer on death deedN.H. Rev. Stat. Ann. ch. 563-D
New York10 yearsYes: transfer on death deedN.Y. CPLR 212(a); N.Y. Real Prop. Law § 424
North Carolina20 yearsNot checked for this pageCourt opinions applying North Carolina's statute (Mobley v. Griffin, quoted by the Court of Federal Claims)
North DakotaNot checked for this pageYes: transfer on death deedN.D. Cent. Code ch. 30.1-32.1
Ohio21 yearsYes: transfer on death designation affidavitOhio Rev. Code § 2305.04; Ohio Rev. Code §§ 5302.22, 5302.222, 5302.23
OregonNot checked for this pageYes: transfer on death deedOr. Rev. Stat. §§ 93.948 to 93.985
Pennsylvania21 yearsNot checked for this pageCourt opinions applying Pennsylvania's statute (Recreation Land Corp. v. Hartzfield)
South Carolina10 yearsNot checked for this pageS.C. Code § 15-67-210
South DakotaNot checked for this pageYes: transfer on death deedS.D. Codified Laws §§ 29A-6-401 to 29A-6-434
Tennessee20 yearsNot checked for this pageCourt opinions applying Tennessee common law (Cumulus Broadcasting v. Shim)
Texas10 yearsYes: transfer on death deedTex. Civ. Prac. & Rem. Code § 16.026; Tex. Est. Code §§ 114.001-114.106
UtahNot checked for this pageYes: transfer on death deedUtah Code §§ 75-6-401 to 75-6-419
VermontNot checked for this pageNo (enhanced life estate deed instead)27 V.S.A. ch. 6 (Enhanced Life Estate Deed Act)
Virginia15 yearsYes: transfer on death deedVa. Code § 8.01-236; Va. Code §§ 64.2-621 to 64.2-638
Washington10 yearsYes: transfer on death deedRCW 4.16.020; Rev. Code Wash. ch. 64.80
West VirginiaNot checked for this pageYes: transfer on death deedW. Va. Code §§ 36-12-1 to 36-12-17
WisconsinNot checked for this pageYes: transfer on death (TOD) beneficiary designation on a recorded document, called a transfer on death deedWis. Stat. § 705.15
WyomingNot checked for this pageYes: transfer on death deedWyo. Stat. §§ 2-18-103 to 2-18-105

A state marked "Not checked for this page" was not read for these guides; it does not mean the state has no such rule.

State map · 20 of 51 with a value

Real estate law by state: adverse possession and transfer on death deeds

Show

  • Under 10 years2
  • 10 years to 14 years6
  • 15 years to 19 years5
  • 20 years or more7
  • Not checked31

Years to claim land by adverse possession

Pick what to show, then tap a state.

See the table 51 rows
StateYears to claim land by adverse possessionTransfer on death deed allowed?Law
AlabamaNot checkedNot checked
AlaskaNot checkedNot checked
Arizona10 yearsYesA.R.S. § 12-526; Ariz. Rev. Stat. § 33-405
ArkansasNot checkedNot checked
California5 yearsYesCal. Code Civ. Proc. § 325; Cal. Prob. Code §§ 5600-5698
Colorado18 yearsYesC.R.S. § 38-41-101(1); Colo. Rev. Stat. §§ 15-15-401 to 15-15-415
Connecticut15 yearsNot checkedConn. Gen. Stat. § 52-575
DelawareNot checkedYesDel. Code tit. 25, §§ 201-216 and following (ch. 2)
District of ColumbiaNot checkedYesD.C. Code §§ 19-604.01 to 19-604.19
Florida7 yearsNot checkedFla. Stat. § 95.18
Georgia20 yearsYesO.C.G.A. § 44-5-163; O.C.G.A. §§ 44-17-1 to 44-17-7
HawaiiNot checkedYesHaw. Rev. Stat. ch. 527
IdahoNot checkedNot checked
Illinois20 yearsYes735 ILCS 5/13-101; 755 ILCS 27 (Real Property Transfer on Death Instrument Act)
IndianaNot checkedNot checked
IowaNot checkedNot checked
KansasNot checkedYesK.S.A. 59-3501 to 59-3507
KentuckyNot checkedNo2026 Ky. SB 34 (not enacted)
LouisianaNot checkedNot checked
MaineNot checkedYes18-C M.R.S. §§ 6-401 to 6-417
Maryland20 yearsYesMd. Code, Cts. & Jud. Proc. § 5-103; Md. Code, Real Prop. §§ 14-1001 to 14-1014 (2026 Md. Laws ch. 751)
MassachusettsNot checkedNot checked
Michigan15 yearsNot checkedMCL 600.5801(4)
Minnesota15 yearsYesMinn. Stat. § 541.02; Minn. Stat. § 507.071
MississippiNot checkedNo2020 Miss. H.B. 729 (died in committee)
Missouri10 yearsYesRSMo § 516.010; Mo. Rev. Stat. § 461.025
MontanaNot checkedYesMont. Code Ann. §§ 72-6-401 to 72-6-418
NebraskaNot checkedYesNeb. Rev. Stat. §§ 76-3401 to 76-3424
NevadaNot checkedYesNev. Rev. Stat. §§ 111.655 to 111.699
New HampshireNot checkedYesN.H. Rev. Stat. Ann. ch. 563-D
New JerseyNot checkedNot checked
New MexicoNot checkedNot checked
New York10 yearsYesN.Y. CPLR 212(a); N.Y. Real Prop. Law § 424
North Carolina20 yearsNot checkedCourt opinions applying North Carolina's statute (Mobley v. Griffin, quoted by the Court of Federal Claims)
North DakotaNot checkedYesN.D. Cent. Code ch. 30.1-32.1
Ohio21 yearsYesOhio Rev. Code § 2305.04; Ohio Rev. Code §§ 5302.22, 5302.222, 5302.23
OklahomaNot checkedNot checked
OregonNot checkedYesOr. Rev. Stat. §§ 93.948 to 93.985
Pennsylvania21 yearsNot checkedCourt opinions applying Pennsylvania's statute (Recreation Land Corp. v. Hartzfield)
Rhode IslandNot checkedNot checked
South Carolina10 yearsNot checkedS.C. Code § 15-67-210
South DakotaNot checkedYesS.D. Codified Laws §§ 29A-6-401 to 29A-6-434
Tennessee20 yearsNot checkedCourt opinions applying Tennessee common law (Cumulus Broadcasting v. Shim)
Texas10 yearsYesTex. Civ. Prac. & Rem. Code § 16.026; Tex. Est. Code §§ 114.001-114.106
UtahNot checkedYesUtah Code §§ 75-6-401 to 75-6-419
VermontNot checkedNo27 V.S.A. ch. 6 (Enhanced Life Estate Deed Act)
Virginia15 yearsYesVa. Code § 8.01-236; Va. Code §§ 64.2-621 to 64.2-638
Washington10 yearsYesRCW 4.16.020; Rev. Code Wash. ch. 64.80
West VirginiaNot checkedYesW. Va. Code §§ 36-12-1 to 36-12-17
WisconsinNot checkedYesWis. Stat. § 705.15
WyomingNot checkedYesWyo. Stat. §§ 2-18-103 to 2-18-105

Each state's value is the one its row of this page's table states, with the law it cites. Nothing you tap is saved or sent. Not legal advice.

Behind on the mortgage: the federal foreclosure clock

Your servicer generally cannot make the first notice or filing for a foreclosure until your loan is more than 120 days delinquent. Delinquency starts on the due date of the payment you missed, and a day means a calendar day. 12 C.F.R. §§ 1024.31, 1024.41(f)(1)

StepThe ruleLaw
Live contactThe servicer must try to reach you by the 36th day of the delinquency (36 days after the due date), and tell you about options to avoid foreclosure. For a payment due January 1: by February 6.12 C.F.R. § 1024.39(a)
Written noticeA written notice about your options by the 45th day of the delinquency: by February 15 for a January 1 payment.12 C.F.R. § 1024.39(b)(1)
First foreclosure notice or filingNot until the loan is more than 120 days delinquent: at the earliest, 121 days after the missed due date. A payment due January 1 makes the loan 90 days delinquent on April 1.12 C.F.R. § 1024.41(f)(1)
You apply for help (loss mitigation)If the servicer gets your application 45 days or more before a sale, or no sale is set, it must answer in writing within 5 days (excluding legal public holidays, Saturdays, and Sundays), saying whether it is complete and what is missing.12 C.F.R. § 1024.41(b)(2)(i)(B)
A complete applicationIf it is complete more than 37 days before a sale (at least 38 days before), the servicer must evaluate you for every option it offers and answer in writing within 30 days. After a first filing, it may not move for judgment or sell in the meantime.12 C.F.R. § 1024.41(c)(1), (g)
AppealFor a loan modification denial, if the complete application came 90 days or more before a sale: you may appeal within 14 days after the decision, and the servicer answers within 30 days of the appeal.12 C.F.R. § 1024.41(h)(1); § 1024.41(h)(2); § 1024.41(h)(4)
  • Your home. These rules cover a mortgage on your principal residence. 12 C.F.R. § 1024.30(c)(2)
  • A small servicer, one that with its affiliates services 5,000 or fewer mortgage loans that it or an affiliate made or owns, is exempt from most of these steps. It still cannot make the first filing before the loan is more than 120 days delinquent, or move ahead while you keep to a loss mitigation agreement. 12 C.F.R. §§ 1024.30(b)(1), 1024.41(j) · 12 C.F.R. § 1026.41(e)(4)
  • One full review. A servicer need not repeat the review for a later complete application if you have been delinquent at all times since the first one. 12 C.F.R. § 1024.41(i)
  • State law adds its own steps, such as notices, mediation programs and whether a court is involved. They were not checked for this page: ask a housing counselor or a lawyer in your state.
Tip. Free help now. HUD-approved housing counseling agencies provide foreclosure prevention counseling free of charge. Call HUD at (800) 569-4287 or use the CFPB's Find a Counselor tool. CFPB · HUD: Avoiding foreclosure

Date calculator · 2 rules

The foreclosure clock: what your servicer must do, and by when

Federal mortgage servicing rules, Regulation X (12 C.F.R. §§ 1024.39 and 1024.41), read on consumerfinance.gov · checked Nov 2, 2026

Who services your loan?

Enter the due date you missed and your application dates.

    Each rule comes from the official source linked in the result. It runs on your device: nothing you type is stored or sent. General information, not legal advice.

    Write to your mortgage servicer: a notice of error or a request for information

    A letter gives you deadlines that a phone call does not. Include your name, your loan account number, and the error or the information you want. Do not write it on a payment coupon, and send it to the address the servicer set for these letters, which can differ from where you send payments. CFPB: Dispute an error · 12 C.F.R. §§ 1024.35(a), 1024.36(a)

    LetterConfirmationAnswerExtensionLaw
    Notice of error: payments, fees, escrow and other servicing errorsWithin 5 business days30 business days15 business days more, if it tells you in writing first12 C.F.R. §§ 1024.35(d), 1024.35(e)(3)(i)(C), 1024.35(e)(3)(ii)
    Notice of error: a wrong payoff balanceWithin 5 business days7 business daysNone12 C.F.R. § 1024.35(e)(3)(i)(A)
    Notice of error: a foreclosure filing or sale against the rulesWithin 5 business daysBefore the sale, or 30 business days if that is earlierNone12 C.F.R. § 1024.35(e)(3)(i)(B)
    Request for information: who owns your loanWithin 5 business days10 business daysNone12 C.F.R. § 1024.36(d)(2)(i)(A)
    Request for information: anything elseWithin 5 business days30 business days15 business days more, if it tells you in writing first12 C.F.R. §§ 1024.36(c), 1024.36(d)(2)(i)(B), 1024.36(d)(2)(ii)

    Here a business day is different. These servicing rules count days "excluding legal public holidays, Saturdays, and Sundays": Saturdays do not count, unlike the closing rules above. The CFPB puts it as five business days to confirm and 30 business days to answer. 12 C.F.R. § 1024.35(d) · CFPB: Qualified written request

    • No bad credit report for 60 days. After it gets a notice of error, the servicer may not report negative information about the disputed payment to a credit bureau for 60 days. 12 C.F.R. § 1024.35(i)(1)
    • Ask for the documents. If the servicer says there was no error, it must send you, at no charge, the documents it relied on within 15 business days of your request. 12 C.F.R. § 1024.35(e)(4)
    • A letter does not stop a foreclosure by itself, except for an error about a first filing or a sale that breaks the rules above. 12 C.F.R. § 1024.35(i)(2)
    • A qualified written request (QWR) about an error or information is handled the same way. CFPB: Qualified written request

    Letter generator · 2 letters

    Write to your mortgage servicer: a notice of error or a request for information

    Built on Regulation X, 12 C.F.R. §§ 1024.35 and 1024.36, read on consumerfinance.gov · checked Nov 2, 2026

    Which letter?

    Pick the letter and fill in your details.

      Send it to the address the servicer set for these letters, keep a copy, and keep proof of the day it arrived. Each rule comes from the official source linked in the result. It runs on your device: nothing you type is stored or sent. General information, not legal advice.

      Date calculator · 2 letters

      When must your servicer answer your letter?

      Regulation X error and information rules (12 C.F.R. §§ 1024.35, 1024.36), read on consumerfinance.gov · checked Nov 2, 2026

      What did you send?

      What the error is about
      What you asked for

      Pick the letter and the day the servicer got it.

        Each rule comes from the official source linked in the result. It runs on your device: nothing you type is stored or sent. General information, not legal advice.

        What a real estate lawyer costs, and who pays

        No federal rule, and no state rule this page read, sets a real estate lawyer's fee. Ask whether the fee is flat or hourly and what it covers, and get the scope and the fee in writing, as the ABA model rule expects. Money paid in advance goes into a client trust account. ABA Model Rules 1.5, 1.15

        • Who pays depends on the contract. No federal rule decides who pays the lawyers at a closing. Where the law does not say who pays a cost, local custom usually decides, and the purchase contract can change it. Some costs are set by law: in New York the seller pays the state transfer tax. See Transfer tax. N.Y. Tax Law § 1404(a)
        • A required closing attorney is not automatically your lawyer: where a state requires one, the CFPB notes, that attorney has a primary responsibility to the lender. Ask in writing whom the lawyer represents.
        • Nobody may pay for the referral. A lawyer, agent or lender who pays or takes a fee just for sending you to a settlement provider breaks federal law (above). 12 U.S.C. § 2607(a)

        Bar-run referral services connect you with a lawyer for your kind of problem. The ones this guide has checked publish a first-consultation price: the State Bar of Texas service up to $20 for up to 30 minutes, The Florida Bar service up to $25 for 30 minutes, and the New York State Bar Association service normally $35 for the first half hour; California certifies its referral services, which you search by county. See Find a lawyer or free legal aid for the details.

        Free and low-cost help, and the guides for other property problems

        Check a lawyer's license in your state before you hire

        Check the license in the state where the property is. In Delaware, Massachusetts and North Carolina, the rules above reserve closing work to lawyers licensed there. Ask for the lawyer's own name, and check that person before you hire.

        Lawyers are licensed by a state agency in each state, and that agency can tell you whether a person has a law license and may practice there, the American Bar Association says. Its list names the agency in every state: in some it is the state bar, in others the state's highest court or one of its agencies. The table below gives each one, with a link where the site is a government or state-bar site this guide links to. ABA: Lawyer Licensing

        StateWhere to check a lawyer's licenseRun by
        AlabamaAlabama State Bar member search (alabar.org)A state bar
        AlaskaAlaska Bar Association member directory (alaskabar.org)A state bar
        ArizonaState Bar of Arizona lawyer search (azbar.org)A state bar
        ArkansasArkansas Judiciary attorney searchA court or court agency
        CaliforniaState Bar of California attorney searchA state bar
        ColoradoColorado Supreme Court attorney search (coloradosupremecourt.com)A court or court agency
        ConnecticutConnecticut Judicial Branch attorney and firm inquiryA court or court agency
        DelawareDelaware public attorney search, at the address the ABA listsAnother official site
        District of ColumbiaD.C. Bar member directory (dcbar.org)A state bar
        FloridaThe Florida Bar member searchA state bar
        GeorgiaState Bar of Georgia member search (gabar.org)A state bar
        HawaiiHawaii State Bar Association lawyer search (hsba.org)A state bar
        IdahoIdaho State Bar attorney rosterA state bar
        IllinoisIllinois Attorney Registration and Disciplinary Commission (iardc.org)A court or court agency
        IndianaIndiana Roll of AttorneysA court or court agency
        IowaIowa court commissions lawyer search (iacourtcommissions.org)A court or court agency
        KansasKansas courts attorney registration directory (kscourts.org)A court or court agency
        KentuckyKentucky Bar Association member search (kybar.org)A state bar
        LouisianaLouisiana Attorney Disciplinary Board search (ladb.org)A court or court agency
        MaineMaine attorney directoryAnother official site
        MarylandMaryland Courts attorney searchA court or court agency
        MassachusettsMassachusetts Board of Bar Overseers attorney lookup (massbbo.org)A court or court agency
        MichiganState Bar of Michigan member directory (michbar.org)A state bar
        MinnesotaMinnesota Lawyer Registration Office public searchA court or court agency
        MississippiThe Mississippi Bar lawyer directory (msbar.org)A state bar
        MissouriThe Missouri Bar lawyer directory (mobar.org)A state bar
        MontanaState Bar of Montana member search (montanabar.org)A state bar
        NebraskaNebraska lawyer searchAnother official site
        NevadaState Bar of Nevada lawyer search (nvbar.org)A state bar
        New HampshireCall the New Hampshire Bar Association at 603-224-6942By phone
        New JerseyNew Jersey Courts attorney search (njcourts.gov)A court or court agency
        New MexicoState Bar of New Mexico (sbnm.org)A state bar
        New YorkNew York State Unified Court System attorney searchA court or court agency
        North CarolinaNorth Carolina State Bar license verificationA state bar
        North DakotaNorth Dakota Courts lawyer searchA court or court agency
        OhioSupreme Court of Ohio attorney searchA court or court agency
        OklahomaOklahoma Bar Association member search (okbar.org)A state bar
        OregonOregon State Bar member search (osbar.org)A state bar
        PennsylvaniaDisciplinary Board of the Supreme Court of Pennsylvania attorney search (padisciplinaryboard.org)A court or court agency
        Rhode IslandRhode Island Bar Association member directory (ribar.com)A state bar
        South CarolinaSouth Carolina Judicial Branch attorney search (sccourts.org)A court or court agency
        South DakotaCall the State Bar of South Dakota at 605-224-7554By phone
        TennesseeBoard of Professional Responsibility online attorney directory (tbpr.org)A court or court agency
        TexasState Bar of Texas Find a LawyerA state bar
        UtahUtah State Bar member directory (utahbar.org)A state bar
        VermontVermont Judiciary attorney licensing page, "Attorneys in Good Standing" (vermontjudiciary.org)A court or court agency
        VirginiaVirginia State Bar attorney search (vsb.org)A state bar
        WashingtonWashington State Bar Association lawyer directory (wsba.org)A state bar
        West VirginiaWest Virginia State Bar member search (wvbar.org)A state bar
        WisconsinState Bar of Wisconsin lawyer search (wisbar.org)A state bar
        WyomingWyoming State Bar membership directory (wyomingbar.org)A state bar
        • Search the exact name on the license, and check that the status is active and the person is allowed to practice now.
        • Look for public discipline. Many of these searches show it, and the same agency handles complaints about lawyers.
        • A lawyer from another state usually cannot handle a case in your state's courts unless the court lets them in for that case.
        • A business name is not a license. Ask for the lawyer’s own name and check that person, not the firm.

        State map · 51 of 51 with a value

        Check a lawyer's license: who runs the official search in your state

        • A state bar27
        • A court or court agency19
        • Another official site3
        • By phone2

        Who runs the search

        Tap your state to see where to check a lawyer's license.

        See the table 51 rows
        StateWho runs the searchThe ruleLaw
        AlabamaA state barAlabama State Bar member search (alabar.org)ABA: Lawyer Licensing
        AlaskaA state barAlaska Bar Association member directory (alaskabar.org)ABA: Lawyer Licensing
        ArizonaA state barState Bar of Arizona lawyer search (azbar.org)ABA: Lawyer Licensing
        ArkansasA court or court agencyArkansas Judiciary attorney search (arkansas.gov)ABA: Lawyer Licensing
        CaliforniaA state barState Bar of California attorney search (calbar.ca.gov)ABA: Lawyer Licensing
        ColoradoA court or court agencyColorado Supreme Court attorney search (coloradosupremecourt.com)ABA: Lawyer Licensing
        ConnecticutA court or court agencyConnecticut Judicial Branch attorney and firm inquiry (jud.ct.gov)ABA: Lawyer Licensing
        DelawareAnother official siteDelaware public attorney search, at the address the ABA listsABA: Lawyer Licensing
        District of ColumbiaA state barD.C. Bar member directory (dcbar.org)ABA: Lawyer Licensing
        FloridaA state barThe Florida Bar member search (floridabar.org)ABA: Lawyer Licensing
        GeorgiaA state barState Bar of Georgia member search (gabar.org)ABA: Lawyer Licensing
        HawaiiA state barHawaii State Bar Association lawyer search (hsba.org)ABA: Lawyer Licensing
        IdahoA state barIdaho State Bar attorney roster (isb.idaho.gov)ABA: Lawyer Licensing
        IllinoisA court or court agencyIllinois Attorney Registration and Disciplinary Commission (iardc.org)ABA: Lawyer Licensing
        IndianaA court or court agencyIndiana Roll of Attorneys (in.gov)ABA: Lawyer Licensing
        IowaA court or court agencyIowa court commissions lawyer search (iacourtcommissions.org)ABA: Lawyer Licensing
        KansasA court or court agencyKansas courts attorney registration directory (kscourts.org)ABA: Lawyer Licensing
        KentuckyA state barKentucky Bar Association member search (kybar.org)ABA: Lawyer Licensing
        LouisianaA court or court agencyLouisiana Attorney Disciplinary Board search (ladb.org)ABA: Lawyer Licensing
        MaineAnother official siteMaine attorney directory (maine.gov)ABA: Lawyer Licensing
        MarylandA court or court agencyMaryland Courts attorney search (mdcourts.gov)ABA: Lawyer Licensing
        MassachusettsA court or court agencyMassachusetts Board of Bar Overseers attorney lookup (massbbo.org)ABA: Lawyer Licensing
        MichiganA state barState Bar of Michigan member directory (michbar.org)ABA: Lawyer Licensing
        MinnesotaA court or court agencyMinnesota Lawyer Registration Office public search (lro.mn.gov)ABA: Lawyer Licensing
        MississippiA state barThe Mississippi Bar lawyer directory (msbar.org)ABA: Lawyer Licensing
        MissouriA state barThe Missouri Bar lawyer directory (mobar.org)ABA: Lawyer Licensing
        MontanaA state barState Bar of Montana member search (montanabar.org)ABA: Lawyer Licensing
        NebraskaAnother official siteNebraska lawyer search (ne.gov)ABA: Lawyer Licensing
        NevadaA state barState Bar of Nevada lawyer search (nvbar.org)ABA: Lawyer Licensing
        New HampshireBy phoneCall the New Hampshire Bar Association at 603-224-6942ABA: Lawyer Licensing
        New JerseyA court or court agencyNew Jersey Courts attorney search (njcourts.gov)ABA: Lawyer Licensing
        New MexicoA state barState Bar of New Mexico (sbnm.org)ABA: Lawyer Licensing
        New YorkA court or court agencyNew York State Unified Court System attorney search (courts.state.ny.us)ABA: Lawyer Licensing
        North CarolinaA state barNorth Carolina State Bar license verification (ncbar.gov)ABA: Lawyer Licensing
        North DakotaA court or court agencyNorth Dakota Courts lawyer search (ndcourts.gov)ABA: Lawyer Licensing
        OhioA court or court agencySupreme Court of Ohio attorney search (supremecourt.ohio.gov)ABA: Lawyer Licensing
        OklahomaA state barOklahoma Bar Association member search (okbar.org)ABA: Lawyer Licensing
        OregonA state barOregon State Bar member search (osbar.org)ABA: Lawyer Licensing
        PennsylvaniaA court or court agencyDisciplinary Board of the Supreme Court of Pennsylvania attorney search (padisciplinaryboard.org)ABA: Lawyer Licensing
        Rhode IslandA state barRhode Island Bar Association member directory (ribar.com)ABA: Lawyer Licensing
        South CarolinaA court or court agencySouth Carolina Judicial Branch attorney search (sccourts.org)ABA: Lawyer Licensing
        South DakotaBy phoneCall the State Bar of South Dakota at 605-224-7554ABA: Lawyer Licensing
        TennesseeA court or court agencyBoard of Professional Responsibility online attorney directory (tbpr.org)ABA: Lawyer Licensing
        TexasA state barState Bar of Texas Find a Lawyer (texasbar.com)ABA: Lawyer Licensing
        UtahA state barUtah State Bar member directory (utahbar.org)ABA: Lawyer Licensing
        VermontA court or court agencyVermont Judiciary attorney licensing page, "Attorneys in Good Standing" (vermontjudiciary.org)ABA: Lawyer Licensing
        VirginiaA state barVirginia State Bar attorney search (vsb.org)ABA: Lawyer Licensing
        WashingtonA state barWashington State Bar Association lawyer directory (wsba.org)ABA: Lawyer Licensing
        West VirginiaA state barWest Virginia State Bar member search (wvbar.org)ABA: Lawyer Licensing
        WisconsinA state barState Bar of Wisconsin lawyer search (wisbar.org)ABA: Lawyer Licensing
        WyomingA state barWyoming State Bar membership directory (wyomingbar.org)ABA: Lawyer Licensing

        Each state's value is the one its row of this page's table states, with the law it cites. Nothing you tap is saved or sent. Not legal advice.

        Your first meeting with a real estate lawyer: what to bring and ask

        Bring the purchase contract (signed or draft), every paper from the lender or the title company, the deed if you own the home, and any letter from your servicer, the HOA or a co-owner. Ask:

        • “In which state are you licensed, and do you handle closings or disputes like mine?”
        • “Whom do you represent at the closing: me, the lender or both?”
        • “Is your fee flat or hourly, what does it cover, and is it paid at closing?”
        • “What in the contract, the title commitment or the survey worries you?”
        • “Which dates matter: the contract deadlines, the Closing Disclosure, the right to cancel, a foreclosure sale?”
        • “How will you send me wire instructions, and how do I confirm them?”

        Checklist

        Ready for the closing? Tick what you have

        Tick what you have ready

        Tick each point as you get it ready.

        Every point comes from this page and its official sources. Your ticks are not saved or sent anywhere. Not legal advice.

        Common questions about real estate lawyers

        Do I need a real estate attorney to buy or sell a house?

        Often not: in most of the country a settlement agent from a title insurance company runs the closing, or an escrow agent in much of the West. Delaware requires a Delaware lawyer to conduct the closing, Massachusetts requires the lender's attorney to certify title and reserves directing a closing to attorneys, and North Carolina requires a lawyer's supervision. Anywhere, only your own lawyer represents you.

        What does a real estate attorney do for a buyer?

        Reviews or negotiates the purchase contract, reads the title commitment and the survey, compares the Closing Disclosure with the Loan Estimate, explains the loan papers and the deed, and represents you at the closing, where the lender's or seller's attorney does not.

        At what point do you hire a real estate attorney?

        Before you sign the purchase contract, if you can, because the contract sets the terms. At the latest, when the Closing Disclosure arrives: you must get it at least 3 business days before closing, and that is the time to review it.

        How much do real estate attorneys cost, and who pays?

        No law this page read sets the fee: ask whether it is flat or hourly and get it in writing. Each cost is paid as the purchase contract and local custom say, unless a law decides, such as New York's rule that the seller pays the state transfer tax.

        Can I call a lawyer and ask a question for free?

        Some lawyers offer a free first call; ask. Bar referral services publish a price for a first consultation, for example up to $20 for 30 minutes in Texas and up to $25 in Florida. Foreclosure counseling from a HUD-approved agency is free.

        How do I get a lawyer if I can't afford one?

        Look for legal aid: the Legal Services Corporation funds 129 nonprofit legal aid organizations for low-income people with civil legal problems. For a mortgage problem, a HUD-approved housing counselor is free, and if you face foreclosure or were served with papers, the CFPB says you may also need an attorney.

        Can I kick someone out of my house if they are on the deed?

        A co-owner on the deed owns part of the property. The route the Texas and Florida statutes on this page give is a court case called partition, which divides the property or orders a sale. Florida's fast sheriff removal of squatters does not apply to an owner or co-owner.

        What is the 3-3-3 rule in real estate?

        It is not a rule in federal closing law. The real three-day rules: the Loan Estimate by the third business day after you apply, the Closing Disclosure at least 3 business days before closing, and 3 business days to cancel a refinance or home equity loan.

        What are red flags for lawyers?

        No written fee agreement, a promise of a result, pressure to sign at once, a license you cannot find on the state's official search, and any emailed change to wire instructions. Confirm wiring by phone at a number you saved earlier.

        What should I not tell my real estate attorney?

        Nothing you would hide: what you tell your own lawyer to get advice is confidential, and problems such as a lien, a co-owner or a missed payment come out in the title search or the loan file anyway. Tell them early so they can plan for it.

        How do I find a real estate attorney near me?

        Use a bar referral service for your county or state, then check the lawyer's license on the state's official search (the table on this page lists each state). Ask whether they handle closings, disputes or both.

        Official sources

        1. CFPB: Do I need an attorney or anyone else to represent me when closing on a mortgage? consumerfinance.gov
        2. CFPB: Who should I expect to see at my mortgage closing? consumerfinance.gov
        3. CFPB: Shop for title insurance and other closing services (settlement agent, escrow agent, closing attorney) consumerfinance.gov
        4. CFPB: Close the deal consumerfinance.gov
        5. CFPB: Review documents before closing consumerfinance.gov
        6. Delaware Supreme Court: Matter of Mid-Atlantic Settlement Services, Inc., No. 102, 2000 (May 31, 2000), Office of Disciplinary Counsel digest courts.delaware.gov
        7. Mass. Gen. Laws c. 221, § 46E: real estate closings; unauthorized practice of law (added by St. 2023, c. 2, § 22) mass.gov
        8. Mass.gov: Massachusetts law about real estate conveyancing (quoting Mass. Gen. Laws c. 93, § 70) mass.gov
        9. North Carolina State Bar: Authorized Practice Advisory Opinion 2002-1, the role of laypersons in residential real estate closings (revised January 26, 2012) ncbar.gov
        10. S.C. Code § 37-10-102: the borrower's preference of closing attorney (Title 37, Chapter 10) scstatehouse.gov
        11. Tex. Gov't Code § 83.001: preparing instruments affecting title to real property texas.gov
        12. 12 C.F.R. § 1026.2(a)(6): definition of business day, Regulation Z consumerfinance.gov
        13. 12 C.F.R. § 1026.19(e) and (f): Loan Estimate and Closing Disclosure timing, Regulation Z consumerfinance.gov
        14. Regulation Z, Supplement I, comments 19(e)(1)(iii)-1, 19(f)(1)(ii)-1 and 19(f)(1)(iii)-1 and -2 (examples) consumerfinance.gov
        15. 12 C.F.R. § 1026.23: right of rescission, Regulation Z consumerfinance.gov
        16. CFPB: Can I change my mind after I sign the closing documents for a second mortgage or refinance? consumerfinance.gov
        17. CFPB: How long do I have to rescind? When does the right of rescission start? consumerfinance.gov
        18. CFPB: Are there situations where I would not have a right of rescission? consumerfinance.gov
        19. 12 C.F.R. § 1026.23: Right of rescission, Regulation Z (1-1-25 edition) govinfo.gov
        20. CFPB: Mortgage closing scams: how to protect yourself and your closing funds consumerfinance.gov
        21. CFPB: Buying a home? Beware of mortgage closing scams (one-page guide, PDF) consumerfinance.gov
        22. FTC: Home equity loans and home equity lines of credit (mortgage closing scams) ftc.gov
        23. FBI: Internet Crime Complaint Center (IC3), file a complaint ic3.gov
        24. CFPB: What is owner's title insurance? consumerfinance.gov
        25. CFPB: What is lender's title insurance? consumerfinance.gov
        26. CFPB: TRID title insurance disclosure factsheet (owner's policy optional) consumerfinance.gov
        27. 12 U.S.C. § 2608: title companies; liability of seller (RESPA section 9) govinfo.gov
        28. 12 U.S.C. § 2607: prohibition against kickbacks and unearned fees (RESPA section 8) govinfo.gov
        29. 12 C.F.R. § 1024.14: prohibition against kickbacks and unearned fees, Regulation X consumerfinance.gov
        30. Tex. Prop. Code ch. 23: partition (§§ 23.001, 23.002) texas.gov
        31. Fla. Stat. ch. 64: partition of property (§§ 64.011, 64.031, 64.071; Uniform Partition of Heirs Property Act §§ 64.201-64.214) state.fl.us
        32. Fla. Stat. § 82.036: limited alternative remedy to remove unauthorized persons from residential real property flsenate.gov
        33. 12 C.F.R. § 1024.31: definitions (day, delinquency), Regulation X consumerfinance.gov
        34. 12 C.F.R. § 1024.39: early intervention requirements for certain borrowers consumerfinance.gov
        35. Regulation X, Supplement I, comments 39(a)-1 and 39(b)(1) (examples) consumerfinance.gov
        36. 12 C.F.R. § 1024.41: loss mitigation procedures (120 days, 37 days, 45 days, appeals, small servicers) consumerfinance.gov
        37. 12 C.F.R. § 1024.30: scope (small servicers, principal residence) consumerfinance.gov
        38. 12 C.F.R. § 1026.41(e)(4): small servicer defined, Regulation Z consumerfinance.gov
        39. CFPB: Find a housing counselor consumerfinance.gov
        40. CFPB: What is a HUD-approved housing counseling agency, and how can they help me? consumerfinance.gov
        41. HUD: Avoiding foreclosure ((800) 569-4287) hud.gov
        42. 12 C.F.R. § 1024.35: error resolution procedures, Regulation X consumerfinance.gov
        43. 12 C.F.R. § 1024.36: requests for information, Regulation X consumerfinance.gov
        44. CFPB: How do I dispute an error or request information about my mortgage? consumerfinance.gov
        45. CFPB: What is a Qualified Written Request (QWR)? consumerfinance.gov
        46. CFPB: Submit a complaint consumerfinance.gov
        47. California Department of Real Estate, Reference Book, Chapter 7: Principal instruments of transfer (deeds, acknowledgment, recording) (PDF) dre.ca.gov
        48. N.Y. Tax Law § 1404: who pays nysenate.gov
        49. Legal Services Corporation: I need legal help lsc.gov
        50. California: Cal. Code Civ. Proc. § 325 (elements as stated in CACI No. 4900, 2026 edition) courts.ca.gov
        51. Texas: Tex. Civ. Prac. & Rem. Code § 16.026 tcss.legis.texas.gov
        52. Florida: Fla. Stat. §§ 95.12, 95.18 (2026) flsenate.gov
        53. New York: N.Y. CPLR 212(a); RPAPL § 501 nysenate.gov
        54. Pennsylvania: Pennsylvania case law (Recreation Land Corp. v. Hartzfield, 947 A.2d 771 (Pa. Super. 2008), as quoted in Zaloga v. Borough of Moosic, M.D. Pa. 2011); statute 42 Pa.C.S. § 5530 NOT read on a .gov page govinfo.gov
        55. Illinois: 735 ILCS 5/13-101 (as applied in Brandhorst v. Johnson, 2014 IL App (4th) 130923) illinoiscourts.gov
        56. Ohio: Ohio Rev. Code § 2305.04 (quoted in Leffel v. Village of Casstown, S.D. Ohio No. 3:17-cv-79, Report and Recommendations, Oct. 17, 2017) govinfo.gov
        57. Georgia: O.C.G.A. § 44-5-163 (quoted in Jackson v. United States, Fed. Cl. Nos. 14-397L, 15-194L, Nov. 20, 2017) govinfo.gov
        58. North Carolina: Mobley v. Griffin, 10 S.E. 142 (N.C. 1889), as quoted in Bevirt v. United States (Fed. Cl. 2025); statutes G.S. 1-38 and 1-40 NOT read on a .gov page govinfo.gov
        59. Michigan: MCL 600.5801(4) (quoted in Marlette Auto Wash, LLC v Van Dyke SC Props, LLC, 501 Mich 192 (2018)) courts.michigan.gov
        60. Virginia: Va. Code § 8.01-236 law.lis.virginia.gov
        61. Washington: RCW 4.16.020 (cited in Ofuasia v. Smurr, No. 48145-6-II, Wash. Ct. App. 2017, published) courts.wa.gov
        62. Arizona: A.R.S. § 12-526 azleg.gov
        63. Maryland: Md. Code, Cts. & Jud. Proc. § 5-103 mgaleg.maryland.gov
        64. Missouri: RSMo § 516.010 revisor.mo.gov
        65. Minnesota: Minn. Stat. § 541.02 revisor.mn.gov
        66. South Carolina: S.C. Code § 15-67-210 scstatehouse.gov
        67. Connecticut: Conn. Gen. Stat. § 52-575(a) cga.ct.gov
        68. Colorado: Colo. Rev. Stat. § 38-41-101(1) (cited in Robinson v. Oil Shale Corp., D. Colo. 2018) govinfo.gov
        69. Tennessee: Cumulus Broadcasting, Inc. v. Shim, 226 S.W.3d 366 (Tenn. 2007), as quoted in Bourque v. Bank of America (M.D. Tenn. 2018) govinfo.gov
        70. Ariz. Rev. Stat. § 33-405, beneficiary deeds; recording; with the statutory deed and revocation forms (current text) azleg.gov
        71. Cal. Prob. Code § 5642, the statutory revocable TOD deed form and its "common questions" (as amended by AB 288, effective Jan 1, 2024) leginfo.legislature.ca.gov
        72. Colorado Revised Statutes 2024, Title 15, Article 15, Part 4: beneficiary deeds, with the statutory deed and revocation forms (Colorado Office of Legislative Legal Services, uncertified printout) content.leg.colorado.gov
        73. Del. Code tit. 25, ch. 2, Uniform Real Property Transfer on Death Act (85 Del. Laws, c. 212), with the optional deed and revocation forms delcode.delaware.gov
        74. D.C. Code § 19-604.09, requirements of a transfer on death deed (D.C. Law 19-230, Mar 19, 2013) code.dccouncil.gov
        75. Georgia Office of Legislative Counsel, Summary of General Statutes Enacted at the 2024 Session (Act 496, SB 420: transfer-on-death deeds, effective July 1, 2024) legis.ga.gov
        76. Haw. Rev. Stat. § 527-9, requirements: recorded with the Bureau of Conveyances or filed with the Land Court registrar before death capitol.hawaii.gov
        77. 755 ILCS 27/40, requirements of a transfer on death instrument (P.A. 102-68, eff. Jan 1, 2022) ilga.gov
        78. K.S.A. 59-3501, real estate; transfer-on-death (Kansas Revisor of Statutes, current text) ksrevisor.gov
        79. Kentucky General Assembly, 2026 Regular Session, Senate Bill 34 (Uniform Real Property Transfer on Death Act): bill record and actions apps.legislature.ky.gov
        80. Maine Revised Statutes, Title 18-C, Article 6 (nonprobate transfers on death), incl. Part 4, Uniform Real Property Transfer on Death Act (generated Oct 20, 2025) legislature.maine.gov
        81. 2026 Laws of Maryland, Chapter 751 (House Bill 738), Maryland Transfer-on-Death Deed Act, approved May 26, 2026, effective Oct 1, 2026 mgaleg.maryland.gov
        82. Minn. Stat. § 507.071, transfer on death deeds, with the statutory deed and revocation forms and the public assistance clearance rules (current text, amended 2025) revisor.mn.gov
        83. Mississippi Legislature, 2020 Regular Session, House Bill 729 (Mississippi Uniform Real Property Transfer on Death Act; create): history, died in committee billstatus.ls.state.ms.us
        84. Mo. Rev. Stat. § 461.025, deeds effective on death of owner (beneficiary deeds), current text effective Aug 28, 1995 revisor.mo.gov
        85. Mont. Code Ann. § 72-6-408, requirements (Montana Code Annotated 2025) mca.legmt.gov
        86. Neb. Rev. Stat. § 76-3410, essential elements, warnings, recording within 30 days and before death (amended Laws 2025, LB422) nebraskalegislature.gov
        87. Nev. Rev. Stat. chapter 111, NRS 111.655 to 111.699, deed upon death, with the deed, revocation and Death of Grantor Affidavit forms leg.state.nv.us
        88. N.H. RSA 563-D:9, requirements: title, recording before death and within 60 days of signing (eff. July 1, 2024) gc.nh.gov
        89. N.Y. Real Property Law § 424, transfer on death deed, with the statutory deed and revocation forms (New York State Senate, current text) nysenate.gov
        90. N.D. Cent. Code ch. 30.1-32.1, Uniform Real Property Transfer on Death Act (North Dakota Legislative Branch, current text) ndlegis.gov
        91. Ohio Rev. Code § 5302.22, transfer on death designation affidavit (effective Dec 28, 2009) codes.ohio.gov
        92. Or. Rev. Stat. chapter 93, §§ 93.948 to 93.985, Uniform Real Property Transfer on Death Act, with the statutory deed form (2025 edition) oregonlegislature.gov
        93. S.D. Codified Laws § 29A-6-408, requirements of a transfer on death deed (SL 2014, ch 133) sdlegislature.gov
        94. Texas Estates Code chapter 114, Texas Real Property Transfer on Death Act (Texas Legislative Council file server for statutes.capitol.texas.gov, current text) tcss.legis.texas.gov
        95. Utah Code Title 75, Chapter 6 (nonprobate transfers), Part 4, Uniform Real Property Transfer on Death Act, with the optional form (re-enacted 2024) le.utah.gov
        96. 27 V.S.A. chapter 6, Enhanced Life Estate Deed Act ("Lady Bird" deeds), with the optional form, effective July 13, 2020 (Vermont Statutes Online, through the 2026 session) legislature.vermont.gov
        97. Va. Code § 64.2-628, requirements of a transfer on death deed (amended 2022) law.lis.virginia.gov
        98. RCW 64.80.060, requirements of a transfer on death deed (2014 c 58) app.leg.wa.gov
        99. W. Va. Code § 36-12-9, requirements of a transfer on death deed code.wvlegislature.gov
        100. Wis. Stat. ch. 705 (2023-24 Wis. Stats., certified May 22, 2026), § 705.15, nonprobate transfer of real property on death docs.legis.wisconsin.gov
        101. Wyoming Statutes Title 2 (wills, decedents' estates and probate code), §§ 2-18-103 to 2-18-105: transfer on death deed, form and revocation form (Wyoming Legislature, current compilation) wyoleg.gov
        102. ABA Model Rules of Professional Conduct, Rule 1.5: Fees (written fee terms, contingent fees, the ban in criminal and divorce cases) americanbar.org
        103. ABA Model Rules of Professional Conduct, Rule 1.15: Safekeeping property (fees paid in advance go into a client trust account) americanbar.org
        104. State Bar of Texas: Lawyer Referral & Information Service texasbar.com
        105. The Florida Bar: Lawyer Referral Service floridabar.org
        106. New York State Bar Association: Lawyer Referral Service nysba.org
        107. State Bar of California: certified lawyer referral services calbar.ca.gov
        108. American Bar Association: Lawyer Licensing (the agency that licenses lawyers in each state, with its search), opened November 1, 2026 americanbar.org
        109. Arkansas: Arkansas Judiciary attorney search, as the ABA lists it attorneyinfo.aoc.arkansas.gov
        110. California: State Bar of California attorney search, as the ABA lists it apps.calbar.ca.gov
        111. Connecticut: Connecticut Judicial Branch attorney and firm inquiry, as the ABA lists it jud.ct.gov
        112. Florida: The Florida Bar member search, as the ABA lists it floridabar.org
        113. Idaho: Idaho State Bar attorney roster, as the ABA lists it isb.idaho.gov
        114. Indiana: Indiana Roll of Attorneys, as the ABA lists it courtapps.in.gov
        115. Maine: Maine attorney directory, as the ABA lists it maine.gov
        116. Maryland: Maryland Courts attorney search, as the ABA lists it mdcourts.gov
        117. Minnesota: Minnesota Lawyer Registration Office public search, as the ABA lists it lro.mn.gov
        118. Nebraska: Nebraska lawyer search, as the ABA lists it mcle.wcc.ne.gov
        119. New York: New York State Unified Court System attorney search, as the ABA lists it iapps.courts.state.ny.us
        120. North Carolina: North Carolina State Bar license verification, as the ABA lists it portal.ncbar.gov
        121. North Dakota: North Dakota Courts lawyer search, as the ABA lists it ndcourts.gov
        122. Ohio: Supreme Court of Ohio attorney search, as the ABA lists it supremecourt.ohio.gov
        123. Texas: State Bar of Texas Find a Lawyer, as the ABA lists it texasbar.com

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