Ganek’s experience and local market knowledge set us apart
Title & Closing
Compliant & Competent
Ganek is Atlanta's best choice for title insurance and closing solutions for residential real estate clients.
Since 1978, we’ve been serving the booming Atlanta region with outstanding real estate title and transaction services. Ganek’s knowledge of the Atlanta market is unsurpassed. Our diverse team of attorneys is dedicated to exceeding client expectations in today’s dynamic real estate services marketplace.
Your Security Matters
Ganek has achieved Martindale-Hubbell’s Peer Review Rating of “AV” or pre-eminent. We protect both our clients’ largest purchases and their futures as homeowners. The title insurance process begins by searching public records to ensure that you take ownership of a clean title that is free from defect. If we find any defects, we will correct them and issue an insurance policy against any potential defects or claims to your property discovered in the future. This protects your rights to the property. Furthermore, Ganek protects your identity and private financial information by complying with American Land Title Association (ALTA) Best Practices. These strict standards establish internal processes and procedures that keep your data safe in a world where cybercrime is on the rise.
- Ganek PC was founded in 1978
- Our team of attorneys collectively share over 150 years of experience
- We operate eight conveniently located offices across the metro Atlanta area.
- Our firm is proud to be third-party, ALTA Best Practices certified
- We are honored to be an AV-rated law firm
- Our unique firm culture makes us a great fit for first-time homebuyers
I've closed with Harry for many years! I believe he does the best job for all my buyers and sellers. Plus the staff makes you feel so welcome. Everyone Is always so pleasant!
Ganek PC was very professional from beginning to end and made my closing transaction a pleasant/smooth transaction.
I actually made a comment directly to Michael yesterday that I thought he was very thorough in explaining the paperwork to my buyer. I had a great exoerience. Loved the readers on the table too!
Our Go To Home Closing and Real Estate Attorney's firm for the past 4 years! We are so happy they have opened a Poncey-Highland office for the convenience of our Intown and Decatur clients! Mimi McCain closed over 30 transactions for us this year and close to 100 since we switched to Ganek PC! We have asked for help late at night and on weekends and they always make sure we have the right answers for our clients! They are large part of the reason we have a successful team and good representation of our clients!
Ganek's team took the guess work out of closing. They kept me up to date every step of the way and when I had questions, they were very responsive. Great overall experience! Thank you.
This office helped me with the closing of my condo and all I can say is how impressed I was with their organization, punctuality and friendliness. I felt like it was family guiding me through the process.
Loved that Laura is Spanish speaking and could explain everything to my client.
It was a pleasure working with you guys! You guys made everything go so smoothly!
Best closing experience ever. Folks were on time, very knowledgeable and friendly. Made what can be a stressful experience very easy. I’d definitely recommend closing here. Great job y’all! And, thank you!
Closing at Ganek was very enjoyable and was a great experience. We will definitely conduct future closings with the Ganek team.
Mimi and Daniel help us with our closings in GA. They are the best closing attorneys I have worked with.
I recently retained Mimi McCain at Ganek PC to assist me in a real estate transaction in Marietta, Georgia. The transaction involved the distribution of an ownership interest in some property from a trust to the beneficiary, but there were some complicated aspects to the transfer. Mimi was extremely responsive and helpful. She gave clear advice and recommendations. Best of all, I thought her fee was quite reasonable. I do not hesitate to refer Mimi and her firm for assistance with real estate transactions.
Everyone went the "extra mile" in rescheduling this closing multiple times due to an inept lender and Hope even had to stay late on her birthday to wait for the funding approval to come over. Kudos to the Minsk Team at Ganek Gwinnett!!
Michael was probably the most detail oriented and prepared attorney ever. Overall, he was GREAT and I would work with him again anytime!
I’ve use this office on multiple closings and they are by far the best office in my 10 years of selling real estate. The staff is professional and courteous And well-versed on current technology.
Harry Minsk is one of the most thorough and responsive attorneys I have ever had the pleasure of doing business with. If it had not been for him, I believe this transaction may not have closed.
I like that Ganek gives a portion of the closing profit to charity. It makes the Sellers feel awesome and it makes me proud to have them close there. I like the less formal environment yet the staff is very professional. The closing team(Heather) are rock stars.
You have questions. We have answers.
The closing attorney conducts the closing of the sale or refinance. To do so, he or she must gather information about the contract, the title, the loan being closed, homeowners insurance, home warranties, termite inspections and property surveys then prepare documents that memorialize those matters. This requires a great deal of communication and coordination. The attorney must supervise the closing itself including collecting and distributing funds and providing title insurance for the lender and buyer. Every closing is different; therefore the closing attorney must be organized, patient and flexible.
It depends. There are firms that do nothing but closings and work with a variety of buyers, sellers, builders, lenders and agents. These firms are approved by various lenders in the region. Often, an agent, lender or builder has a strong relationship with a particular closing attorney or firm and they will request the closing occur at that firm. Other times, the builder, buyer or seller will request a specific closing attorney. Selection criteria should be reputation, high quality service and fair pricing rather than simply location or convenience. If someone other than yourself picks this service provider, ask why that firm was chosen and express your preference for a different firm if you so desire.
Buyers, sellers, lenders, agents and the closing attorney gather at the law firm. Identification for both the buyer and the seller will be obtained, any pending issues will be discussed and questions will be answered. The attorney will review the ALTA Settlement Statement and the buyer and seller closing documents in detail. The attorney will then go over each of the loan documents with the buyer and the transfer documents with the seller. (If you wish to review the documents in detail please feel free to request copies in advance.) Each party will sign their documents. The atmosphere is generally pleasant and organized. The attorney will make copies, hand out commission checks and seller funds and see that keys are transferred. The agents will give advice on transferring utilities and other practical matters. The process usually takes about 45 minutes or so.
The closing attorney will do his best to supervise resolution of various issues that may occur. The lender and agents also contribute to this process. Rarely can a problem not be solved!
There are two types of title insurance: owner’s and lender’s policies. The lender will require their interest in the property to be insured as part of the closing costs. This type insurance does not benefit the owner in any way. Owners have the option to insure their own title at an additional cost. Generally, title insurance pays if something arises that was not or could not be discovered and resolved via a title examination. For a lender, title insurance protects their loan. For an owner, it protects their equity. Since Georgia title records are the basis for the title report, title examiners cannot verify matters which occurred in the weeks immediately before closing or matters which have not been properly recorded. Common examples of surprises are liens filed by contractors, Federal tax liens, judgments, unrecorded or misrecorded matters such as easements, and unpaid past property tax matters, to name a few. Other points of concern are fraudulent documents, forgeries or matters concerning a property survey. We prefer to issue “enhanced owners title policies” that expand in value as equity increases and also cover certain matters that occur after closing. In a typical transaction, say a $250,000.00 home with a $200,000.00 home loan, the cost of the loan policy would be about $525.00 (part of the original closing costs estimate) and the optional owner’s policy would be $696.00 (as of the Fall of 2017). The cost of title insurance in Georgia is much lower than other parts of the country and the vast majority of owners insist on it. We recommend owner’s coverage in every single situation.
A plat of the survey is a drawing of a particular piece of property showing boundaries, homes and other improvements and designated areas such as easements and setback lines. For a free-standing home, it can reveal problems like encroachments of fences and driveways or other improvements or violation of easements and setbacks. These types of problems can prevent an owner from improving or selling their property. A survey also helps verify the actual property being bought. A normal survey is $475.00 to $550.00 and is invaluable, especially in new construction. Townhouses are also surveyed but condominiums don’t usually involve land area and, therefore, are not surveyable. If the survey reveals a problem, the seller must resolve it, or the purchaser must accept it. In some cases, a survey makes the title insurance coverage more powerful. A current survey is always recommended.
Someone, typically a buyer, lender or realtor will “order title” with us and schedule an appointment to close. We then:
1. Order a title exam and property tax statements and work to resolve title issues, if any.
2. Order a survey, if requested.
3. Contact the buyer for information about their lender and advise them of the amount to wire for closing.*
4. Contact the seller for information about the mortgages on the property that need to be paid off, homeowners’ association information and other matters which might affect title. Order payoff statements to verify balances owed.
5. Contact the realtors for any special matters (repairs, invoices, special situations).
6. Prepare an ALTA Settlement Statement outlining all the buyer and seller charges and collect loan documents from the lender for signing at closing.
7. Prepare limited warranty deeds, seller’s affidavits, title insurance paperwork, and other documents related to the transfer of the title to the house.
8. Collaborate with buyer’s lender to finalize the buyer’s closing disclosure which will determine the amount due from the buyer at closing.
9. Conduct the closing and collect and disburse all funds.
10. Record the deeds and issue the title insurance policies to the buyer and lender.