Below is a list of our recommended local vendors to help you get through the closing process with ease!
Having the right insurance agent can make all the difference in the world! No two agents evaluate a property the same and no two companies quote the same figures. In many cases, the cost for the exact same coverage can vary greatly and make a dramatic difference in a buyers monthly payment. It is in every buyer’s best interest to obtain several quotes from many different companies and then ask those companies to beat the best rate they’ve found. 😉 Companies such as Allen and Smith Insurance, South Group Insurance, etc. compare several small company brands and large brand names to find their clients the best quote possible. Below are some of the most knowledgeable and diligent insurance agents we tend to work with time and time again.
*** If your property is in a flood zone, the flood insurance can most likely be assumed by the seller. Homeowners and Wind & Hail insurance can not be assumed and vary depending on the buyers age, amount they are insuring, etc. If you are NOT in a flood zone, you do not have to purchase flood insurance but you can still obtain flood insurance for a very low cost.
United Risk Agency
Tracy F Arnold
South Group Insurance
Pyron Coastal Insurance
Payron Coastal Insurance
Southern Insurance Professionals
The closing attorney you choose plays a crucial role in your transaction. They perform the title examination for the property, correct any title issues they find, write title insurance, handle legal issues associated with the transaction that may come up, conduct the closing, and file the deed. This is not a service you want to “bargain hunt” for. Many clients have asked if they can use their family attorney. The answer is yes, but we HIGHLY recommend you use an attorney that specializes in real estate closings and who is well versed in MS real estate law. Picking an attorney that doesn’t specialize in this type of law increases the risk that items on your title exam may be overlooked or errors with your closing may be made. Those errors could lead to BIG problems and major expense after closing. Selecting the right attorney for the job will help you avoid future costs to correct missed issues and will allow you to rest easy, knowing that your closing was handled properly.
Schwartz, Orgler, and Jordan
12206 Hwy 49 Gulfport MS 39503
Gulfport Office: 228.832.8550
Biloxi Office: 228.388.7441
Bay St Louis Office: 228.231.1588
Gulfport Office: 228.284.4832
Ocean Springs Office: 228.215.0011
Gautier Office: 228.205.3982
Picayune Office: 601.229.0978
The Casano Law Firm
4403 W. Aloha Dr. Diamondhead, MS 39525
Diamondhead Office: 228.255.0035
…A side note about title insurance
Some attorneys, especially those who are not real estate attorneys, will tell buyers that purchasing title insurance is unnecessary. This is far from the truth! Title insurance insures against financial loss from defects in title work such as invalid foreclosures or missed mortgage payoffs. Ending up in a lawsuit due to a title that was incorrectly recorded many years ago is no fun and it can happen to anyone. We have seen it firsthand – don’t let it happen to you!
Home inspectors are like anything else, there are many bad ones and few great ones. Hiring a competent home inspector can prevent you from purchasing a money pit or buying a home you thought was in great condition but had several hidden defects.
ProSpect – Inspections
John Paul Rhodes
Wood Destroying Termite Inspector
In the state of MS, a WDIR is required to close. If the buyer pays for this inspection, they will choose the termite inspector. Typically a WDIR costs less than $100 and its a one time inspection completed 10 days before closing. Below is BJ Ledet with FDL, one of the most affordable WDIR inspectors on the Gulf Coast. He also offers competitive yearly termite contracts.
** If the home you are purchasing has a termite contract, it may be assumable, but not matter, a WDIR has to be purchased to close on a home in the state of MS.
Not every home has a septic tank and not every loan requires a septic inspection. Typically only a VA loan requires a septic inspection if the property has a septic tank.
Larry with Bond Septic Services
929 22nd St, Gulfport, MS 39501
Surveyor & Elevation Certificate
Duke Levy – 228.343.9691
Reid & Associates – 228.205.4007
Clifford Crosby – 228.234.1649
Cassady-Acadua – 985.414.2914
Address: 6500 Sunplex Dr, Ocean Springs, MS 39564