Coordinating Home Equity Closings in Attorney States: Why a Centralized Partner Matters

In last month’s blog, we explored the operational headaches that come with managing home equity closings in-house—and how a centralized partner like CSS can help lenders reduce friction, ensure consistency, and improve the borrower experience. This month, we’re taking that conversation one step further.

For lenders operating across multiple states, the challenge doesn’t stop at operational inefficiencies. It also includes navigating a patchwork of legal requirements—especially in attorney states like South Carolina, North Carolina, and Georgia, where certain parts of the title and closing process must be handled or overseen by a licensed attorney. Failing to meet those standards can introduce real risk—both in terms of compliance and borrower experience.

At CSS, we make it easy for lenders to navigate these complexities. Through our network of qualified local attorney partners, we coordinate compliant, efficient home equity closings in attorney states as part of our full-service home equity title and settlement offering. That means you don’t have to identify, vet, and manage attorney relationships in each market. We do it for you.

Navigating the Complexities of Attorney States

Lending in attorney states comes with a unique set of challenges. Unlike most states, attorney states require direct involvement from licensed attorneys at key points in the title and closing process—and the specifics vary by state. For instance:

• In South Carolina, an attorney must supervise the entire closing process, including disbursement of funds.
• In North Carolina, attorneys are required to certify title searches.
• In Georgia, an attorney must be physically present to conduct the closing.

For lenders operating across state lines, these varying requirements can create serious headaches—from compliance risks to inconsistent borrower experiences and delays at closing.

How CSS Simplifies the Process

We act as your single point of contact, coordinating attorney involvement as required by state law. Our team:

• Partners with vetted, local attorneys who understand the nuances of their jurisdiction
• Oversees title searches, obtaining attorney certification where necessary, document preparation, and scheduling
• Ensures proper closing and recording in line with each state’s regulations

This approach delivers confidence and consistency—without requiring your team to become legal experts in every market you serve.

Consistency Across All Markets

Whether you’re lending in attorney states, non-attorney states, or both, CSS offers a unified process and centralized support team. That reduces handoffs, shortens turn times, and improves the borrower experience—no matter the geography.

In a market where speed and compliance matter more than ever, having one experienced partner coordinate every home equity closing is more than a convenience. It’s a strategic advantage.

Ready to Streamline Home Equity Closings?

Let’s talk about how CSS can simplify your home equity closing process—while keeping you fully compliant in every state where you lend.