Serving every county of NC, WV, MD, VA, PA, and the District of Columbia, we promise:

well trained reverse mortgage specialists,
qualified forward and sales closing agents,
fast turn times, in home closings for all transactions,
evening and weekend closings,
and competitive rates! (see FEES, below)

Call us today for more information or to place an order!

301-524-2948 or fax to 301-685-1398

SMG PROVIDES E- NOTARY SERVICES! Contact us for more information.

south-mountain

Introducing REST, Reverse Experts Seniors Trust, A Division of SMG :

The South Mountain Group, Inc. is proud to introduce REST, our reverse mortgage closing division. REST specializes in the Reverse Mortgage Transaction and features agents, closers and notaries whom have completed the HECM training through the FHA, including all program materials and training resources.

In addition, all of SMG's closers have completed SMG's training which includes full review of all materials provided by the AARP, completion of the SMG Training Manual for REST, and completed the HECM Counselor Basic Training.

This knowledge, coupled with REST's ability to provide in-home closings in every county of each state we conduct business in, including evening and weekends, allows you the flexiblity to promise your Senior ease and flexibility--and to complete the transaction without ever leaving the comfort and safety of their home! Wire of live funds at disbursement are always avalible for loan proceeds.

You can REST assured, we will take good care of your Senior, and never rush them during any point in the transaction.

REST: Reverse Experts Seniors Trust, a division of The South Mountain Group, Inc.

Title Companies in Attorney States-North Carolina and West Virginia:

Each state has specific requirements concerning what is required for a company to sell title insurance. Clients, please note as a point of clarification that SMG does not hold its self out to offer legal services, nor legal advise to any party. SMG clearly does sell title insurance and co-ordinates closing services, but all abstracting and legal opinions of title or property reports are prepared or supervised by NC and WV licensed attorneys who are in good standing with that states Bar-in accordance with the laws of those States. Further, each work independently of SMG. This includes preparation of legal documents.

If legal advise is needed, you should seek independent legal counsel.

SMG carries its own Errors and Omission's Insurance, protecting each client in the amount of 1 million per transaction, as well as Fidelity and Surety Bonds as required under state law. In VA, we are licensed with the State Bar under CRESPA, and in all states, appropriate licensing with the Insurance Commissioner are in place and regularly updated. SMG, Inc. prides itself in being an agent of Stewart Title, and contracts for independent reconciliation for each escrow account on a monthly basis.

Why Use a Title Company

Are you a Lender, Broker, Realtor, Construction Firm, or Bank who needs a title company to provide timely, efficient, and professional title services to you and your clients?
Are you a home owner looking to refinance, cash out, obtain a line of credit or a second mortgage?
Are you a senior planning to secure your retirement with a reverse mortgage?

more..

FEES: (note, fees for sales transactions vary, and are noted at the bottom of the fees list)

PanHandle of West Virginia: Special fees are being offered for closings in the Counties of Jefferson, Berkeley, and Morgan in West Virginia. Settlement $375.00; courier/wire fee of $60; plus state fees for recording, stamps, property taxes, and title insurance as applicable. If notary services are needed outside of the panhandle, additional travel fees will apply.

West Virginia (all counties served): Standard fees (with the exception of the panhandle, see above) are $325 settlement; $210 abstract/attorney fee; $175 document processing; $60 wire/courier; plus state fees for recording, stamps, property taxes, and title insurance as applicable.

North Carolina (all counties served): Standard fees are $435 settlement; $50 notary; plus state fees for recording, stamps, property taxes, and title insurance as applicable.

Maryland, Virginia and the District of Columbia (all counties served): Standard fees are $325 settlement; $175 document processing; $175 title exam; $60 wire/courier; plus state fees for recording, stamps, property taxes, and title insurance as applicable; $50 dollar recording fee for recording or e-recording the Deed of Trust.

Pennsylvania (all counties served): PA's title insurance is considered all inclusive. Thus, the only fee we charge besides title insurance is a notary fee of $175; plus state fees for recording, stamps, property taxes, as applicable; and a $65 tax cert fee.

Floridia and Georgia (all counties served): please email ellen@southmountaintitle.com for information.

Additional Fees may apply for document processing, researching liens or judgments, for notary services if outside the county of the subject property, out of state closings, and for overnight fees if expediated document return or mail away closings are requested.

NOTE: SMG requires documents and HUD approval 4 hours ahead of the scheduled refinance closing time.

SALES:

On sales, there is an additional recording/walk through fee of $100 dollars split by the buyer and seller; and an additional document preparation fee to the buyer of $175 dollars; sellers closings costs are between $175-$250 depending on the services the seller requires (such as out of state seller, wire of proceeds, wire of payoffs, etc.)

Please be aware that SMG will not co-ordinate services in sales transactions, and will not pay out of pocket fees for HOA transfers, surveys, pest or home inspections, or warranties. These items must be co-ordinated by the realtor, buyer or seller and invoiced to the realtor, buyer or seller and the invoice submitted to SMG to be collected at closing via the HUD settlement statement. Items requiring up front payment must be paid by the realtors, buyers or sellers, and may then be shown as a POC (paid outside of closing) on the HUD.

SMG will obtain payoffs for mortgages of record, open HOA invoices and other such items to be paid or invoiced and paid on the HUD at closing, which must besubmitted by the parties to be collected or shown as a POC on the HUD at least 72 hours ahead of the scheduled settlement date.

SMG's sales settlements will be conducted at the location and time selected by the buyers agent and buyer, and is agreed upon by the sellers agent and sellers. However if the seller can not attend the settlement arrangements can be made to email or priority mail documents and wire or priority mail proceeds. Please contact us for details.

SMG requires documents and HUD approval 24 hours prior to a sales closing.