5 min read · Buyers and sellers comparing providers
Closing attorney, title company, or mobile notary — who do you need?
The three roles side by side, when each is required by your state, and how to avoid paying twice for the same work.
Closing attorney
A licensed lawyer who can review your contract, explain risk, resolve title problems, and in attorney-required states must conduct the closing. Choose one if your transaction has complications: an estate, a divorce, boundary questions, or an unusual contract.
Title or escrow company
Searches the title record, issues title insurance through an underwriter, holds the earnest money and loan funds, and disburses at closing. In most states this is who runs your closing day to day.
Mobile notary or signing agent
Brings the signing to you and verifies identity. They are often hired by the title company or lender rather than by you directly, and they cannot answer legal questions about your documents.
A note on title insurance
Title insurance premiums are set through filed rates and are not something a provider discounts as a favor. Any military discount you see on this site applies to the provider's own closing, escrow, attorney, notary, or signing fees.
This guide is general information, not legal advice, and does not reflect any government position. Confirm details with a licensed professional in your state.