Title, escrow and settlement across Middle Tennessee, with closings that travel to you.
Element Title Group closes Nashville area transactions with the same come to you model we built in Florida and Georgia: fast title work, clear figures and a closer who travels to you. We serve buyers, sellers, realtors, lenders, builders and investors across Davidson, Williamson, Rutherford, Sumner and Wilson counties, and statewide across Tennessee.
Tennessee is a title company state. A licensed title agent can conduct your closing, and an attorney is optional rather than required. Deeds of trust are used instead of mortgages, and recording happens with the Register of Deeds in the county where the property sits, Davidson County for Nashville proper.
Tennessee charges recordation tax on the transfer of realty at $0.37 per $100 of the greater of consideration or value. On a $500,000 Nashville home that is $1,850. When there is a new loan, the state also charges $0.115 per $100 of the indebtedness, with the first $2,000 of debt exempt. Buyers commonly pay the mortgage tax and sellers commonly pay the transfer tax, but the contract governs.
These are current state rates, shown so you can plan. Recording fees, endorsements and prorations vary by transaction, so ask for a net sheet with your actual numbers.
Nashville draws buyers from everywhere, and many of them never set foot in a title office. Tennessee permits online notarization, so remote signing is available where the lender and document types allow it. When wet signatures are required, we send a mobile notary to you wherever you are.
We close statewide as well, including Memphis, Knoxville, Chattanooga and the Tri-Cities.
No. A licensed title agent can conduct the closing. You are free to involve an attorney, and we coordinate with one whenever a party wants that.
Custom in Middle Tennessee is that the seller pays the transfer tax on the deed and the buyer pays the mortgage tax on the new loan, but the purchase agreement controls. Your net sheet will show it exactly as your contract assigns it.
Usually yes, by remote online signing where permitted, or by a mobile notary we send to you. Tell us where you will be on closing day and we will plan around it.
Cash purchases can close within about a week of a clear title search. Financed purchases follow the lender's timeline, generally three to four weeks. Investors closing several files at once get a schedule built in advance.
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