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

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:
| State | What the law says | Source |
|---|---|---|
| Delaware | A 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 |
| Massachusetts | For 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 Carolina | A 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 Carolina | You 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) |
| Texas | Deeds 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 state | Not 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?
Who is helping you with the deal?
What kind of problem?
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
| Stage | For a buyer | For a seller |
|---|---|---|
| Before you sign the purchase contract | Reads 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 survey | Reads 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 papers | Compares 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. |
| Deed | Checks 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). |
| Closing | Represents 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
| What | The rule | How the days count | Law |
|---|---|---|---|
| Loan Estimate | Delivered 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 Disclosure | You 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 emailed | Considered 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 cancel | Until 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 cancel | The 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)
- 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
1. What are you doing?
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
Title insurance, and who you use for the closing
| Policy | Protects | Required? |
|---|---|---|
| Lender's title insurance | The 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 insurance | You, 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
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.
| State | Adverse possession: general period | Transfer on death deed | Law |
|---|---|---|---|
| Arizona | 10 years | Yes: beneficiary deed | A.R.S. § 12-526; Ariz. Rev. Stat. § 33-405 |
| California | 5 years | Yes: revocable transfer on death (TOD) deed | Cal. Code Civ. Proc. § 325; Cal. Prob. Code §§ 5600-5698 |
| Colorado | 18 years | Yes: beneficiary deed | C.R.S. § 38-41-101(1); Colo. Rev. Stat. §§ 15-15-401 to 15-15-415 |
| Connecticut | 15 years | Not checked for this page | Conn. Gen. Stat. § 52-575 |
| Delaware | Not checked for this page | Yes: transfer on death deed | Del. Code tit. 25, §§ 201-216 and following (ch. 2) |
| District of Columbia | Not checked for this page | Yes: transfer on death deed | D.C. Code §§ 19-604.01 to 19-604.19 |
| Florida | 7 years | Not checked for this page | Fla. Stat. § 95.18 |
| Georgia | 20 years | Yes: transfer-on-death deed | O.C.G.A. § 44-5-163; O.C.G.A. §§ 44-17-1 to 44-17-7 |
| Hawaii | Not checked for this page | Yes: transfer on death deed | Haw. Rev. Stat. ch. 527 |
| Illinois | 20 years | Yes: transfer on death instrument (TODI) | 735 ILCS 5/13-101; 755 ILCS 27 (Real Property Transfer on Death Instrument Act) |
| Kansas | Not checked for this page | Yes: transfer-on-death (TOD) deed | K.S.A. 59-3501 to 59-3507 |
| Kentucky | Not checked for this page | No | 2026 Ky. SB 34 (not enacted) |
| Maine | Not checked for this page | Yes: transfer on death deed | 18-C M.R.S. §§ 6-401 to 6-417 |
| Maryland | 20 years | Yes: transfer-on-death deed | Md. Code, Cts. & Jud. Proc. § 5-103; Md. Code, Real Prop. §§ 14-1001 to 14-1014 (2026 Md. Laws ch. 751) |
| Michigan | 15 years | Not checked for this page | MCL 600.5801(4) |
| Minnesota | 15 years | Yes: transfer on death deed | Minn. Stat. § 541.02; Minn. Stat. § 507.071 |
| Mississippi | Not checked for this page | No | 2020 Miss. H.B. 729 (died in committee) |
| Missouri | 10 years | Yes: beneficiary deed | RSMo § 516.010; Mo. Rev. Stat. § 461.025 |
| Montana | Not checked for this page | Yes: transfer on death deed (earlier: beneficiary deed) | Mont. Code Ann. §§ 72-6-401 to 72-6-418 |
| Nebraska | Not checked for this page | Yes: transfer on death deed | Neb. Rev. Stat. §§ 76-3401 to 76-3424 |
| Nevada | Not checked for this page | Yes: deed upon death | Nev. Rev. Stat. §§ 111.655 to 111.699 |
| New Hampshire | Not checked for this page | Yes: transfer on death deed | N.H. Rev. Stat. Ann. ch. 563-D |
| New York | 10 years | Yes: transfer on death deed | N.Y. CPLR 212(a); N.Y. Real Prop. Law § 424 |
| North Carolina | 20 years | Not checked for this page | Court opinions applying North Carolina's statute (Mobley v. Griffin, quoted by the Court of Federal Claims) |
| North Dakota | Not checked for this page | Yes: transfer on death deed | N.D. Cent. Code ch. 30.1-32.1 |
| Ohio | 21 years | Yes: transfer on death designation affidavit | Ohio Rev. Code § 2305.04; Ohio Rev. Code §§ 5302.22, 5302.222, 5302.23 |
| Oregon | Not checked for this page | Yes: transfer on death deed | Or. Rev. Stat. §§ 93.948 to 93.985 |
| Pennsylvania | 21 years | Not checked for this page | Court opinions applying Pennsylvania's statute (Recreation Land Corp. v. Hartzfield) |
| South Carolina | 10 years | Not checked for this page | S.C. Code § 15-67-210 |
| South Dakota | Not checked for this page | Yes: transfer on death deed | S.D. Codified Laws §§ 29A-6-401 to 29A-6-434 |
| Tennessee | 20 years | Not checked for this page | Court opinions applying Tennessee common law (Cumulus Broadcasting v. Shim) |
| Texas | 10 years | Yes: transfer on death deed | Tex. Civ. Prac. & Rem. Code § 16.026; Tex. Est. Code §§ 114.001-114.106 |
| Utah | Not checked for this page | Yes: transfer on death deed | Utah Code §§ 75-6-401 to 75-6-419 |
| Vermont | Not checked for this page | No (enhanced life estate deed instead) | 27 V.S.A. ch. 6 (Enhanced Life Estate Deed Act) |
| Virginia | 15 years | Yes: transfer on death deed | Va. Code § 8.01-236; Va. Code §§ 64.2-621 to 64.2-638 |
| Washington | 10 years | Yes: transfer on death deed | RCW 4.16.020; Rev. Code Wash. ch. 64.80 |
| West Virginia | Not checked for this page | Yes: transfer on death deed | W. Va. Code §§ 36-12-1 to 36-12-17 |
| Wisconsin | Not checked for this page | Yes: transfer on death (TOD) beneficiary designation on a recorded document, called a transfer on death deed | Wis. Stat. § 705.15 |
| Wyoming | Not checked for this page | Yes: transfer on death deed | Wyo. 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
See the table 51 rows
| State | Years to claim land by adverse possession | Transfer on death deed allowed? | Law |
|---|---|---|---|
| Alabama | Not checked | Not checked | |
| Alaska | Not checked | Not checked | |
| Arizona | 10 years | Yes | A.R.S. § 12-526; Ariz. Rev. Stat. § 33-405 |
| Arkansas | Not checked | Not checked | |
| California | 5 years | Yes | Cal. Code Civ. Proc. § 325; Cal. Prob. Code §§ 5600-5698 |
| Colorado | 18 years | Yes | C.R.S. § 38-41-101(1); Colo. Rev. Stat. §§ 15-15-401 to 15-15-415 |
| Connecticut | 15 years | Not checked | Conn. Gen. Stat. § 52-575 |
| Delaware | Not checked | Yes | Del. Code tit. 25, §§ 201-216 and following (ch. 2) |
| District of Columbia | Not checked | Yes | D.C. Code §§ 19-604.01 to 19-604.19 |
| Florida | 7 years | Not checked | Fla. Stat. § 95.18 |
| Georgia | 20 years | Yes | O.C.G.A. § 44-5-163; O.C.G.A. §§ 44-17-1 to 44-17-7 |
| Hawaii | Not checked | Yes | Haw. Rev. Stat. ch. 527 |
| Idaho | Not checked | Not checked | |
| Illinois | 20 years | Yes | 735 ILCS 5/13-101; 755 ILCS 27 (Real Property Transfer on Death Instrument Act) |
| Indiana | Not checked | Not checked | |
| Iowa | Not checked | Not checked | |
| Kansas | Not checked | Yes | K.S.A. 59-3501 to 59-3507 |
| Kentucky | Not checked | No | 2026 Ky. SB 34 (not enacted) |
| Louisiana | Not checked | Not checked | |
| Maine | Not checked | Yes | 18-C M.R.S. §§ 6-401 to 6-417 |
| Maryland | 20 years | Yes | Md. Code, Cts. & Jud. Proc. § 5-103; Md. Code, Real Prop. §§ 14-1001 to 14-1014 (2026 Md. Laws ch. 751) |
| Massachusetts | Not checked | Not checked | |
| Michigan | 15 years | Not checked | MCL 600.5801(4) |
| Minnesota | 15 years | Yes | Minn. Stat. § 541.02; Minn. Stat. § 507.071 |
| Mississippi | Not checked | No | 2020 Miss. H.B. 729 (died in committee) |
| Missouri | 10 years | Yes | RSMo § 516.010; Mo. Rev. Stat. § 461.025 |
| Montana | Not checked | Yes | Mont. Code Ann. §§ 72-6-401 to 72-6-418 |
| Nebraska | Not checked | Yes | Neb. Rev. Stat. §§ 76-3401 to 76-3424 |
| Nevada | Not checked | Yes | Nev. Rev. Stat. §§ 111.655 to 111.699 |
| New Hampshire | Not checked | Yes | N.H. Rev. Stat. Ann. ch. 563-D |
| New Jersey | Not checked | Not checked | |
| New Mexico | Not checked | Not checked | |
| New York | 10 years | Yes | N.Y. CPLR 212(a); N.Y. Real Prop. Law § 424 |
| North Carolina | 20 years | Not checked | Court opinions applying North Carolina's statute (Mobley v. Griffin, quoted by the Court of Federal Claims) |
| North Dakota | Not checked | Yes | N.D. Cent. Code ch. 30.1-32.1 |
| Ohio | 21 years | Yes | Ohio Rev. Code § 2305.04; Ohio Rev. Code §§ 5302.22, 5302.222, 5302.23 |
| Oklahoma | Not checked | Not checked | |
| Oregon | Not checked | Yes | Or. Rev. Stat. §§ 93.948 to 93.985 |
| Pennsylvania | 21 years | Not checked | Court opinions applying Pennsylvania's statute (Recreation Land Corp. v. Hartzfield) |
| Rhode Island | Not checked | Not checked | |
| South Carolina | 10 years | Not checked | S.C. Code § 15-67-210 |
| South Dakota | Not checked | Yes | S.D. Codified Laws §§ 29A-6-401 to 29A-6-434 |
| Tennessee | 20 years | Not checked | Court opinions applying Tennessee common law (Cumulus Broadcasting v. Shim) |
| Texas | 10 years | Yes | Tex. Civ. Prac. & Rem. Code § 16.026; Tex. Est. Code §§ 114.001-114.106 |
| Utah | Not checked | Yes | Utah Code §§ 75-6-401 to 75-6-419 |
| Vermont | Not checked | No | 27 V.S.A. ch. 6 (Enhanced Life Estate Deed Act) |
| Virginia | 15 years | Yes | Va. Code § 8.01-236; Va. Code §§ 64.2-621 to 64.2-638 |
| Washington | 10 years | Yes | RCW 4.16.020; Rev. Code Wash. ch. 64.80 |
| West Virginia | Not checked | Yes | W. Va. Code §§ 36-12-1 to 36-12-17 |
| Wisconsin | Not checked | Yes | Wis. Stat. § 705.15 |
| Wyoming | Not checked | Yes | Wyo. 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)
| Step | The rule | Law |
|---|---|---|
| Live contact | The 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 notice | A 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 filing | Not 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 application | If 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) |
| Appeal | For 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.
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
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)
| Letter | Confirmation | Answer | Extension | Law |
|---|---|---|---|---|
| Notice of error: payments, fees, escrow and other servicing errors | Within 5 business days | 30 business days | 15 business days more, if it tells you in writing first | 12 C.F.R. §§ 1024.35(d), 1024.35(e)(3)(i)(C), 1024.35(e)(3)(ii) |
| Notice of error: a wrong payoff balance | Within 5 business days | 7 business days | None | 12 C.F.R. § 1024.35(e)(3)(i)(A) |
| Notice of error: a foreclosure filing or sale against the rules | Within 5 business days | Before the sale, or 30 business days if that is earlier | None | 12 C.F.R. § 1024.35(e)(3)(i)(B) |
| Request for information: who owns your loan | Within 5 business days | 10 business days | None | 12 C.F.R. § 1024.36(d)(2)(i)(A) |
| Request for information: anything else | Within 5 business days | 30 business days | 15 business days more, if it tells you in writing first | 12 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
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?
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
- Renting, not buying: Tenant rights and An eviction notice.
- A homeowners association: HOA rules, fines and records, with a records letter for each state checked.
- A boundary, or someone using your land: Adverse possession.
- A deed or a home after a death: Quitclaim deed, Transfer on death deed and Probate.
- A sale made at your home, or a refinance you want to cancel: Cancel a sale within 3 days.
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
| State | Where to check a lawyer's license | Run by |
|---|---|---|
| Alabama | Alabama State Bar member search (alabar.org) | A state bar |
| Alaska | Alaska Bar Association member directory (alaskabar.org) | A state bar |
| Arizona | State Bar of Arizona lawyer search (azbar.org) | A state bar |
| Arkansas | Arkansas Judiciary attorney search | A court or court agency |
| California | State Bar of California attorney search | A state bar |
| Colorado | Colorado Supreme Court attorney search (coloradosupremecourt.com) | A court or court agency |
| Connecticut | Connecticut Judicial Branch attorney and firm inquiry | A court or court agency |
| Delaware | Delaware public attorney search, at the address the ABA lists | Another official site |
| District of Columbia | D.C. Bar member directory (dcbar.org) | A state bar |
| Florida | The Florida Bar member search | A state bar |
| Georgia | State Bar of Georgia member search (gabar.org) | A state bar |
| Hawaii | Hawaii State Bar Association lawyer search (hsba.org) | A state bar |
| Idaho | Idaho State Bar attorney roster | A state bar |
| Illinois | Illinois Attorney Registration and Disciplinary Commission (iardc.org) | A court or court agency |
| Indiana | Indiana Roll of Attorneys | A court or court agency |
| Iowa | Iowa court commissions lawyer search (iacourtcommissions.org) | A court or court agency |
| Kansas | Kansas courts attorney registration directory (kscourts.org) | A court or court agency |
| Kentucky | Kentucky Bar Association member search (kybar.org) | A state bar |
| Louisiana | Louisiana Attorney Disciplinary Board search (ladb.org) | A court or court agency |
| Maine | Maine attorney directory | Another official site |
| Maryland | Maryland Courts attorney search | A court or court agency |
| Massachusetts | Massachusetts Board of Bar Overseers attorney lookup (massbbo.org) | A court or court agency |
| Michigan | State Bar of Michigan member directory (michbar.org) | A state bar |
| Minnesota | Minnesota Lawyer Registration Office public search | A court or court agency |
| Mississippi | The Mississippi Bar lawyer directory (msbar.org) | A state bar |
| Missouri | The Missouri Bar lawyer directory (mobar.org) | A state bar |
| Montana | State Bar of Montana member search (montanabar.org) | A state bar |
| Nebraska | Nebraska lawyer search | Another official site |
| Nevada | State Bar of Nevada lawyer search (nvbar.org) | A state bar |
| New Hampshire | Call the New Hampshire Bar Association at 603-224-6942 | By phone |
| New Jersey | New Jersey Courts attorney search (njcourts.gov) | A court or court agency |
| New Mexico | State Bar of New Mexico (sbnm.org) | A state bar |
| New York | New York State Unified Court System attorney search | A court or court agency |
| North Carolina | North Carolina State Bar license verification | A state bar |
| North Dakota | North Dakota Courts lawyer search | A court or court agency |
| Ohio | Supreme Court of Ohio attorney search | A court or court agency |
| Oklahoma | Oklahoma Bar Association member search (okbar.org) | A state bar |
| Oregon | Oregon State Bar member search (osbar.org) | A state bar |
| Pennsylvania | Disciplinary Board of the Supreme Court of Pennsylvania attorney search (padisciplinaryboard.org) | A court or court agency |
| Rhode Island | Rhode Island Bar Association member directory (ribar.com) | A state bar |
| South Carolina | South Carolina Judicial Branch attorney search (sccourts.org) | A court or court agency |
| South Dakota | Call the State Bar of South Dakota at 605-224-7554 | By phone |
| Tennessee | Board of Professional Responsibility online attorney directory (tbpr.org) | A court or court agency |
| Texas | State Bar of Texas Find a Lawyer | A state bar |
| Utah | Utah State Bar member directory (utahbar.org) | A state bar |
| Vermont | Vermont Judiciary attorney licensing page, "Attorneys in Good Standing" (vermontjudiciary.org) | A court or court agency |
| Virginia | Virginia State Bar attorney search (vsb.org) | A state bar |
| Washington | Washington State Bar Association lawyer directory (wsba.org) | A state bar |
| West Virginia | West Virginia State Bar member search (wvbar.org) | A state bar |
| Wisconsin | State Bar of Wisconsin lawyer search (wisbar.org) | A state bar |
| Wyoming | Wyoming 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
See the table 51 rows
| State | Who runs the search | The rule | Law |
|---|---|---|---|
| Alabama | A state bar | Alabama State Bar member search (alabar.org) | ABA: Lawyer Licensing |
| Alaska | A state bar | Alaska Bar Association member directory (alaskabar.org) | ABA: Lawyer Licensing |
| Arizona | A state bar | State Bar of Arizona lawyer search (azbar.org) | ABA: Lawyer Licensing |
| Arkansas | A court or court agency | Arkansas Judiciary attorney search (arkansas.gov) | ABA: Lawyer Licensing |
| California | A state bar | State Bar of California attorney search (calbar.ca.gov) | ABA: Lawyer Licensing |
| Colorado | A court or court agency | Colorado Supreme Court attorney search (coloradosupremecourt.com) | ABA: Lawyer Licensing |
| Connecticut | A court or court agency | Connecticut Judicial Branch attorney and firm inquiry (jud.ct.gov) | ABA: Lawyer Licensing |
| Delaware | Another official site | Delaware public attorney search, at the address the ABA lists | ABA: Lawyer Licensing |
| District of Columbia | A state bar | D.C. Bar member directory (dcbar.org) | ABA: Lawyer Licensing |
| Florida | A state bar | The Florida Bar member search (floridabar.org) | ABA: Lawyer Licensing |
| Georgia | A state bar | State Bar of Georgia member search (gabar.org) | ABA: Lawyer Licensing |
| Hawaii | A state bar | Hawaii State Bar Association lawyer search (hsba.org) | ABA: Lawyer Licensing |
| Idaho | A state bar | Idaho State Bar attorney roster (isb.idaho.gov) | ABA: Lawyer Licensing |
| Illinois | A court or court agency | Illinois Attorney Registration and Disciplinary Commission (iardc.org) | ABA: Lawyer Licensing |
| Indiana | A court or court agency | Indiana Roll of Attorneys (in.gov) | ABA: Lawyer Licensing |
| Iowa | A court or court agency | Iowa court commissions lawyer search (iacourtcommissions.org) | ABA: Lawyer Licensing |
| Kansas | A court or court agency | Kansas courts attorney registration directory (kscourts.org) | ABA: Lawyer Licensing |
| Kentucky | A state bar | Kentucky Bar Association member search (kybar.org) | ABA: Lawyer Licensing |
| Louisiana | A court or court agency | Louisiana Attorney Disciplinary Board search (ladb.org) | ABA: Lawyer Licensing |
| Maine | Another official site | Maine attorney directory (maine.gov) | ABA: Lawyer Licensing |
| Maryland | A court or court agency | Maryland Courts attorney search (mdcourts.gov) | ABA: Lawyer Licensing |
| Massachusetts | A court or court agency | Massachusetts Board of Bar Overseers attorney lookup (massbbo.org) | ABA: Lawyer Licensing |
| Michigan | A state bar | State Bar of Michigan member directory (michbar.org) | ABA: Lawyer Licensing |
| Minnesota | A court or court agency | Minnesota Lawyer Registration Office public search (lro.mn.gov) | ABA: Lawyer Licensing |
| Mississippi | A state bar | The Mississippi Bar lawyer directory (msbar.org) | ABA: Lawyer Licensing |
| Missouri | A state bar | The Missouri Bar lawyer directory (mobar.org) | ABA: Lawyer Licensing |
| Montana | A state bar | State Bar of Montana member search (montanabar.org) | ABA: Lawyer Licensing |
| Nebraska | Another official site | Nebraska lawyer search (ne.gov) | ABA: Lawyer Licensing |
| Nevada | A state bar | State Bar of Nevada lawyer search (nvbar.org) | ABA: Lawyer Licensing |
| New Hampshire | By phone | Call the New Hampshire Bar Association at 603-224-6942 | ABA: Lawyer Licensing |
| New Jersey | A court or court agency | New Jersey Courts attorney search (njcourts.gov) | ABA: Lawyer Licensing |
| New Mexico | A state bar | State Bar of New Mexico (sbnm.org) | ABA: Lawyer Licensing |
| New York | A court or court agency | New York State Unified Court System attorney search (courts.state.ny.us) | ABA: Lawyer Licensing |
| North Carolina | A state bar | North Carolina State Bar license verification (ncbar.gov) | ABA: Lawyer Licensing |
| North Dakota | A court or court agency | North Dakota Courts lawyer search (ndcourts.gov) | ABA: Lawyer Licensing |
| Ohio | A court or court agency | Supreme Court of Ohio attorney search (supremecourt.ohio.gov) | ABA: Lawyer Licensing |
| Oklahoma | A state bar | Oklahoma Bar Association member search (okbar.org) | ABA: Lawyer Licensing |
| Oregon | A state bar | Oregon State Bar member search (osbar.org) | ABA: Lawyer Licensing |
| Pennsylvania | A court or court agency | Disciplinary Board of the Supreme Court of Pennsylvania attorney search (padisciplinaryboard.org) | ABA: Lawyer Licensing |
| Rhode Island | A state bar | Rhode Island Bar Association member directory (ribar.com) | ABA: Lawyer Licensing |
| South Carolina | A court or court agency | South Carolina Judicial Branch attorney search (sccourts.org) | ABA: Lawyer Licensing |
| South Dakota | By phone | Call the State Bar of South Dakota at 605-224-7554 | ABA: Lawyer Licensing |
| Tennessee | A court or court agency | Board of Professional Responsibility online attorney directory (tbpr.org) | ABA: Lawyer Licensing |
| Texas | A state bar | State Bar of Texas Find a Lawyer (texasbar.com) | ABA: Lawyer Licensing |
| Utah | A state bar | Utah State Bar member directory (utahbar.org) | ABA: Lawyer Licensing |
| Vermont | A court or court agency | Vermont Judiciary attorney licensing page, "Attorneys in Good Standing" (vermontjudiciary.org) | ABA: Lawyer Licensing |
| Virginia | A state bar | Virginia State Bar attorney search (vsb.org) | ABA: Lawyer Licensing |
| Washington | A state bar | Washington State Bar Association lawyer directory (wsba.org) | ABA: Lawyer Licensing |
| West Virginia | A state bar | West Virginia State Bar member search (wvbar.org) | ABA: Lawyer Licensing |
| Wisconsin | A state bar | State Bar of Wisconsin lawyer search (wisbar.org) | ABA: Lawyer Licensing |
| Wyoming | A state bar | Wyoming 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 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
- CFPB: Do I need an attorney or anyone else to represent me when closing on a mortgage? consumerfinance.gov
- CFPB: Who should I expect to see at my mortgage closing? consumerfinance.gov
- CFPB: Shop for title insurance and other closing services (settlement agent, escrow agent, closing attorney) consumerfinance.gov
- CFPB: Close the deal consumerfinance.gov
- CFPB: Review documents before closing consumerfinance.gov
- Delaware Supreme Court: Matter of Mid-Atlantic Settlement Services, Inc., No. 102, 2000 (May 31, 2000), Office of Disciplinary Counsel digest courts.delaware.gov
- Mass. Gen. Laws c. 221, § 46E: real estate closings; unauthorized practice of law (added by St. 2023, c. 2, § 22) mass.gov
- Mass.gov: Massachusetts law about real estate conveyancing (quoting Mass. Gen. Laws c. 93, § 70) mass.gov
- 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
- S.C. Code § 37-10-102: the borrower's preference of closing attorney (Title 37, Chapter 10) scstatehouse.gov
- Tex. Gov't Code § 83.001: preparing instruments affecting title to real property texas.gov
- 12 C.F.R. § 1026.2(a)(6): definition of business day, Regulation Z consumerfinance.gov
- 12 C.F.R. § 1026.19(e) and (f): Loan Estimate and Closing Disclosure timing, Regulation Z consumerfinance.gov
- 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
- 12 C.F.R. § 1026.23: right of rescission, Regulation Z consumerfinance.gov
- CFPB: Can I change my mind after I sign the closing documents for a second mortgage or refinance? consumerfinance.gov
- CFPB: How long do I have to rescind? When does the right of rescission start? consumerfinance.gov
- CFPB: Are there situations where I would not have a right of rescission? consumerfinance.gov
- 12 C.F.R. § 1026.23: Right of rescission, Regulation Z (1-1-25 edition) govinfo.gov
- CFPB: Mortgage closing scams: how to protect yourself and your closing funds consumerfinance.gov
- CFPB: Buying a home? Beware of mortgage closing scams (one-page guide, PDF) consumerfinance.gov
- FTC: Home equity loans and home equity lines of credit (mortgage closing scams) ftc.gov
- FBI: Internet Crime Complaint Center (IC3), file a complaint ic3.gov
- CFPB: What is owner's title insurance? consumerfinance.gov
- CFPB: What is lender's title insurance? consumerfinance.gov
- CFPB: TRID title insurance disclosure factsheet (owner's policy optional) consumerfinance.gov
- 12 U.S.C. § 2608: title companies; liability of seller (RESPA section 9) govinfo.gov
- 12 U.S.C. § 2607: prohibition against kickbacks and unearned fees (RESPA section 8) govinfo.gov
- 12 C.F.R. § 1024.14: prohibition against kickbacks and unearned fees, Regulation X consumerfinance.gov
- Tex. Prop. Code ch. 23: partition (§§ 23.001, 23.002) texas.gov
- 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
- Fla. Stat. § 82.036: limited alternative remedy to remove unauthorized persons from residential real property flsenate.gov
- 12 C.F.R. § 1024.31: definitions (day, delinquency), Regulation X consumerfinance.gov
- 12 C.F.R. § 1024.39: early intervention requirements for certain borrowers consumerfinance.gov
- Regulation X, Supplement I, comments 39(a)-1 and 39(b)(1) (examples) consumerfinance.gov
- 12 C.F.R. § 1024.41: loss mitigation procedures (120 days, 37 days, 45 days, appeals, small servicers) consumerfinance.gov
- 12 C.F.R. § 1024.30: scope (small servicers, principal residence) consumerfinance.gov
- 12 C.F.R. § 1026.41(e)(4): small servicer defined, Regulation Z consumerfinance.gov
- CFPB: Find a housing counselor consumerfinance.gov
- CFPB: What is a HUD-approved housing counseling agency, and how can they help me? consumerfinance.gov
- HUD: Avoiding foreclosure ((800) 569-4287) hud.gov
- 12 C.F.R. § 1024.35: error resolution procedures, Regulation X consumerfinance.gov
- 12 C.F.R. § 1024.36: requests for information, Regulation X consumerfinance.gov
- CFPB: How do I dispute an error or request information about my mortgage? consumerfinance.gov
- CFPB: What is a Qualified Written Request (QWR)? consumerfinance.gov
- CFPB: Submit a complaint consumerfinance.gov
- California Department of Real Estate, Reference Book, Chapter 7: Principal instruments of transfer (deeds, acknowledgment, recording) (PDF) dre.ca.gov
- N.Y. Tax Law § 1404: who pays nysenate.gov
- Legal Services Corporation: I need legal help lsc.gov
- California: Cal. Code Civ. Proc. § 325 (elements as stated in CACI No. 4900, 2026 edition) courts.ca.gov
- Texas: Tex. Civ. Prac. & Rem. Code § 16.026 tcss.legis.texas.gov
- Florida: Fla. Stat. §§ 95.12, 95.18 (2026) flsenate.gov
- New York: N.Y. CPLR 212(a); RPAPL § 501 nysenate.gov
- 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
- Illinois: 735 ILCS 5/13-101 (as applied in Brandhorst v. Johnson, 2014 IL App (4th) 130923) illinoiscourts.gov
- 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
- 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
- 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
- Michigan: MCL 600.5801(4) (quoted in Marlette Auto Wash, LLC v Van Dyke SC Props, LLC, 501 Mich 192 (2018)) courts.michigan.gov
- Virginia: Va. Code § 8.01-236 law.lis.virginia.gov
- Washington: RCW 4.16.020 (cited in Ofuasia v. Smurr, No. 48145-6-II, Wash. Ct. App. 2017, published) courts.wa.gov
- Arizona: A.R.S. § 12-526 azleg.gov
- Maryland: Md. Code, Cts. & Jud. Proc. § 5-103 mgaleg.maryland.gov
- Missouri: RSMo § 516.010 revisor.mo.gov
- Minnesota: Minn. Stat. § 541.02 revisor.mn.gov
- South Carolina: S.C. Code § 15-67-210 scstatehouse.gov
- Connecticut: Conn. Gen. Stat. § 52-575(a) cga.ct.gov
- Colorado: Colo. Rev. Stat. § 38-41-101(1) (cited in Robinson v. Oil Shale Corp., D. Colo. 2018) govinfo.gov
- 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
- Ariz. Rev. Stat. § 33-405, beneficiary deeds; recording; with the statutory deed and revocation forms (current text) azleg.gov
- 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
- 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
- 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
- D.C. Code § 19-604.09, requirements of a transfer on death deed (D.C. Law 19-230, Mar 19, 2013) code.dccouncil.gov
- 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
- Haw. Rev. Stat. § 527-9, requirements: recorded with the Bureau of Conveyances or filed with the Land Court registrar before death capitol.hawaii.gov
- 755 ILCS 27/40, requirements of a transfer on death instrument (P.A. 102-68, eff. Jan 1, 2022) ilga.gov
- K.S.A. 59-3501, real estate; transfer-on-death (Kansas Revisor of Statutes, current text) ksrevisor.gov
- Kentucky General Assembly, 2026 Regular Session, Senate Bill 34 (Uniform Real Property Transfer on Death Act): bill record and actions apps.legislature.ky.gov
- 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
- 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
- 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
- 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
- Mo. Rev. Stat. § 461.025, deeds effective on death of owner (beneficiary deeds), current text effective Aug 28, 1995 revisor.mo.gov
- Mont. Code Ann. § 72-6-408, requirements (Montana Code Annotated 2025) mca.legmt.gov
- Neb. Rev. Stat. § 76-3410, essential elements, warnings, recording within 30 days and before death (amended Laws 2025, LB422) nebraskalegislature.gov
- 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
- N.H. RSA 563-D:9, requirements: title, recording before death and within 60 days of signing (eff. July 1, 2024) gc.nh.gov
- 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
- N.D. Cent. Code ch. 30.1-32.1, Uniform Real Property Transfer on Death Act (North Dakota Legislative Branch, current text) ndlegis.gov
- Ohio Rev. Code § 5302.22, transfer on death designation affidavit (effective Dec 28, 2009) codes.ohio.gov
- 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
- S.D. Codified Laws § 29A-6-408, requirements of a transfer on death deed (SL 2014, ch 133) sdlegislature.gov
- 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
- 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
- 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
- Va. Code § 64.2-628, requirements of a transfer on death deed (amended 2022) law.lis.virginia.gov
- RCW 64.80.060, requirements of a transfer on death deed (2014 c 58) app.leg.wa.gov
- W. Va. Code § 36-12-9, requirements of a transfer on death deed code.wvlegislature.gov
- 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
- 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
- ABA Model Rules of Professional Conduct, Rule 1.5: Fees (written fee terms, contingent fees, the ban in criminal and divorce cases) americanbar.org
- ABA Model Rules of Professional Conduct, Rule 1.15: Safekeeping property (fees paid in advance go into a client trust account) americanbar.org
- State Bar of Texas: Lawyer Referral & Information Service texasbar.com
- The Florida Bar: Lawyer Referral Service floridabar.org
- New York State Bar Association: Lawyer Referral Service nysba.org
- State Bar of California: certified lawyer referral services calbar.ca.gov
- American Bar Association: Lawyer Licensing (the agency that licenses lawyers in each state, with its search), opened November 1, 2026 americanbar.org
- Arkansas: Arkansas Judiciary attorney search, as the ABA lists it attorneyinfo.aoc.arkansas.gov
- California: State Bar of California attorney search, as the ABA lists it apps.calbar.ca.gov
- Connecticut: Connecticut Judicial Branch attorney and firm inquiry, as the ABA lists it jud.ct.gov
- Florida: The Florida Bar member search, as the ABA lists it floridabar.org
- Idaho: Idaho State Bar attorney roster, as the ABA lists it isb.idaho.gov
- Indiana: Indiana Roll of Attorneys, as the ABA lists it courtapps.in.gov
- Maine: Maine attorney directory, as the ABA lists it maine.gov
- Maryland: Maryland Courts attorney search, as the ABA lists it mdcourts.gov
- Minnesota: Minnesota Lawyer Registration Office public search, as the ABA lists it lro.mn.gov
- Nebraska: Nebraska lawyer search, as the ABA lists it mcle.wcc.ne.gov
- New York: New York State Unified Court System attorney search, as the ABA lists it iapps.courts.state.ny.us
- North Carolina: North Carolina State Bar license verification, as the ABA lists it portal.ncbar.gov
- North Dakota: North Dakota Courts lawyer search, as the ABA lists it ndcourts.gov
- Ohio: Supreme Court of Ohio attorney search, as the ABA lists it supremecourt.ohio.gov
- Texas: State Bar of Texas Find a Lawyer, as the ABA lists it texasbar.com
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