Some states have title companies that handle closing transactions. In South Carolina, real estate attorneys do this job. The basic flow of information goes from you as the buyer, to the real estate agent so they can find you a home, then to the lender so they can make the loan, and then ultimately to the closing attorney who can consummate the transaction.

While the above sounds fairly simple, the process can be more involved depending on the nature of the transaction and primarily the house that you are buying.

The bureaucratic member of this process is always the lender. And rightfully so, as they have a difficult job. They need to gather your information, organize it in a way where an underwriter can evaluate it, check and recheck every single detail along the way, and then ultimately provide a package of information so the attorney can prepare the paperwork properly.

It’s very important to make sure that the lender has provided what is called a clear to close prior to making definitive arrangements with your move. Once a clear to close has been obtained from the lender, then the process is more or less guaranteed to occur at that point.

So the big questions that come up the day before closing surround the finances. Buyers are making their plans to go to the bank and get a certified check that needs to be made payable to the closing attorney. These funds can also be wired, but the important factor is how much money did the buyers actually need?

The frustration that occurs is that the attorney is unable to answer that question until they receive what is called a loan package from the lender. Again, the loan package are specific instructions from the lender to the attorney noting exactly how they are to structure the paperwork in an effort to close. Part of this paperwork includes a HUD statement. The HUD statement is a statement of all of the numbers involved in the transaction and has both a buyer and seller’s column. It notes every cost line item by line item so you is the buyer are protected knowing exactly where every penny is spent with your new purchase area. In some cases, the bureaucracy creeps in from the lender. They may not be ready in time, or they may be backed up, or someone may have not completed an item in time and everyone is waiting to close. They are unable to provide the closing package until every detail is handled on their end.

The moral of the story is this… We can all her run around like crazy and do our jobs and be efficient and make it all happen in a very timely manner. The lender, who is usually not at fault but just dealing with many details, may cause a delay. This delay will cause a delay in your ability to go to the bank and make the wire transfer, or obtain the certified check. This is probably the biggest cause of stress associated with the closing. Nothing that can’t be overcome, and remember you are the buyer. There is no need to be rushed, and there’s no need to be stressed. Of course we need to follow the guidelines set forth in the contract, but moving is already stressful enough so please… If this occurs, take a deep breath and remember this is a joyful process and a big change in your life that we are glad to be a part of.

Nat Wallen’s marketing campaign sells homes.

Thank You Charleston!

"I did not know there was a contest, so when Charleston City Paper readers voted me as their favorite Realtor, it was really nice. Charleston is a beautiful place, but the people here are what make living here so great!" - Nat Wallen

The Carolina One™ Sign

Every aspect of what makes a sale successful has been carefully dissected for your benefit. Even down to what colors are most memorable and recognizable together on the Carolina One Real Estate sign.

Drone Photography

Luxury properties and large tracts of land need to be viewed from a different perspective to attract a buyer. Standing out to buyers on the web is critical, and drones can make that happen in the right situation.

Luxury Portfolio Program

Carolina One sells more homes over $1,000,000 than any other company in Charleston. Our Luxury Portfolio Program includes high quality peripherals, professional photography and an international marketing reach including the Wall Street Journal, and our Luxury Homes magazine.

Coming Soon Program

With nearly 1000 agents, I will share your homes as a "coming soon" offering in our private Facebook group. Your home will be exposed to all of the buyers Carolina One agents are working with and will sell your home faster, and for more money... and this may even happen before it is placed on the market.

A Secure Lockbox

The latest technology is utilized to ensure your home is easily accessible and completely secure. You can rest assured that your home will only be accessed by licensed SC Realtors, on your time frame, and on your specific terms.

Showing Appointments

Handling the day-to-day showing appointments is an integral part of the sales process. Nat is able to efficiently arrange showings designed to follow the guidelines that you determine.

High-Quality Photography

Quality photography plays an important role in attracting a buyer for your home. By taking the time to determine the best angle, time of day and what photos to include in your marketing campaign, Nat’s photography speaks volumes.

A Professional Description

Careful attention to details will ensure your home is described and presented in the best light possible. By describing your home accurately and positively, Nat will work with YOU as the seller to craft the best feature and benefit list possible.

Carolina One™ Marketing

Your home sale will benefit with the Carolina One team at work. Through a variety of different mediums, the fully staffed marketing department works to expose your home to all buyers coming into the Charleston area.

The Caravan Tour

Nat Wallen will arrange a Carolina One agent tour of your home. Agents will become familiar with what your home offers by seeing it in person, and can share this information with their clients. In addition, agent feedback provides insightful opinions on the asking price and what will aid in the process.

The “Now Showing” System

Using Carolina One’s exclusive “Now Showing System,” Nat will proactively contact agents currently looking for a home like yours. This proprietary software system will locate agents currently working with buyers that fit the price range and area for your home.

Office Notifications

Carolina One has several offices in the Charleston area. With quality materials and a strong network of active Realtors selling homes each day in your neighborhood, your home sale will benefit with the strength of Carolina One’s agents working together.

Free Home Warranty

An American Home Shield home warranty will be placed on your property at no cost to you. This coverage is provided to you while your home is listed with Nat Wallen of Carolina One Real Estate.

Multiple Listing Service

Nat Wallen takes great care to provide an engaging description and high-quality photography to share your home’s features with all Charleston area buyers.

Buyer E-mail Notifications

With Nat’s knowledge of how to push the MLS features to their full capabilities, each day as buyers come into the market looking for a home like yours, they will receive an e-mail from their agent letting them know it is for sale and ready to be shown.

With over 80,000 visitors each month, Carolina One’s professional website allows your home’s quality photos, detailed description and availability to be shared with incoming buyers to the area on a local, national and global scale.

Relocation Notifications

Leading Real Estate Companies of the World will be notified of your home’s availability for sale. Composed of 550 firms, 4,600 offices and 140,000 sales associates in over 30 countries, this group of successful real estate agencies send referrals daily.

Mass Realtor Syndication is a heavily used Charleston real estate website. In addition to reaching hundreds of buyers visiting each day, your home will be syndicated to over 3,000 Realtor websites.

Multiple Websites

Your property will be listed on,, Google,,,,,,,,,,,,,, etc.

Social Networking

Your home will be shared through various social networking portals. Nat controls several Facebook pages and groups. Your property will be shared on pages like “Charleston, SC” - “Fans of Charleston” - “Fans of MUSC” - “Mt. Pleasant SC”- “The Nat Wallen Team” - ”Nat Wallen Real Estate” and “The Best of Charleston.”

Sell your home with the market leader.

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