Mortgage laws by state: closing practice, homestead, recording taxes, prepayment and licensing
Federal law decides what a lender must disclose and when; state law decides who sits at the closing table, whether a spouse must sign, what the county charges to record the lien, whether the loan may carry a prepayment penalty, how predatory lending is defined and who licenses the lender. 15 states follow attorney-closing practice, 9 are community property states, and a dozen tax the mortgage itself. Pick your state.
- Alabama attorney closing
- Alaska title closing
- Arizona escrow closing, community property
- Arkansas title closing
- California escrow closing, community property
- Colorado title closing
- Connecticut attorney closing
- Delaware attorney closing
- Florida title closing
- Georgia attorney closing
- Hawaii escrow closing
- Idaho title closing, community property
- Illinois mixed closing
- Indiana title closing
- Iowa attorney closing
- Kansas title closing
- Kentucky mixed closing
- Louisiana attorney closing, community property
- Maine mixed closing
- Maryland title closing
- Massachusetts attorney closing
- Michigan title closing
- Minnesota title closing
- Mississippi attorney closing
- Missouri title closing
- Montana title closing
- Nebraska title closing
- Nevada escrow closing, community property
- New Hampshire attorney closing
- New Jersey mixed closing
- New Mexico title closing, community property
- New York attorney closing
- North Carolina attorney closing
- North Dakota title closing
- Ohio title closing
- Oklahoma title closing
- Oregon escrow closing
- Pennsylvania title closing
- Rhode Island attorney closing
- South Carolina attorney closing
- South Dakota title closing
- Tennessee title closing
- Texas title closing, community property
- Utah escrow closing
- Vermont attorney closing
- Virginia mixed closing
- Washington escrow closing, community property
- West Virginia attorney closing
- Wisconsin title closing, community property
- Wyoming title closing
Related state pages: foreclosure law by state · hard money rules by state · first-time buyer programs by state. Federal layer: all regulations.