Closing instructions followed exactly. Funding packages that come back clean.

Lender files fail for boring reasons: a condition missed, a document executed wrong, a package returned incomplete so funding slips a day. Our job is to make sure your file is not one of those, and to make the intangible tax calculation right the first time.

What you get

• CPLs issued promptly — send the loan details and we turn it around
• Closing instructions read and followed, with conditions confirmed before the table
• Execution reviewed on site so the package does not come back for a signature
• Funding package returned promptly in the order your funder wants it
• Wire discipline: verbal callback on every outgoing transfer

Georgia intangible recording tax — get it right the first time

This is where lender files in Georgia most often produce a corrected disclosure. Intangible recording tax is $1.50 per $500 of the note, capped at $25,000 — but it applies only to a long-term note.

HB 586, effective July 1, 2025, raised the long-term threshold from 36 to 62 months. A note fully due inside 62 months now owes nothing. If your fee sheet still assumes the old 36-month rule, you are over-disclosing on short-term paper and under-disclosing nowhere — but you are still wrong, and it still generates a redisclosure.

Our intangible tax calculator applies the current rule and shows the difference.

Refinances and second liens

We handle rate-and-term and cash-out refinances, HELOCs and subordinations. On a subordination we deal with the senior lender directly rather than routing it through your borrower, which is usually the difference between a week and a month.

Common questions

How quickly can you issue a CPL?

Usually the same business day. Send the loan, borrower, property and closing date through the CPL request form.

Do you work with out-of-state lenders?

Yes, routinely. Georgia requires an attorney to conduct the closing, which is often the piece an out-of-state lender needs a local partner for. We work to your instructions and your package requirements.

Can you accommodate a fast closing?

Frequently. The binding constraint is usually the title search and any curative work it produces, not our calendar. Send the file early and we will tell you honestly what is achievable.