Homeland of the Jersey shore, the Boss himself, Bruce Springsteen, and some of the best damn tomatoes on the East Coast, New Jersey is a state worth acquainting yourself with.

Located about 2,000 miles away from the U.S. mainland, Hawaii has a few unique customs and requirements imposed upon residential real estate transactions in the way of closing fees.

An “attorney state,” or a state that requires that closings be supervised by a licensed attorney, transactions taking place in Massachusetts subsequently will require attorney fees. Land surveys, referred to as “plot plans,” are required for purchase transactions, which means an additional fee to each transaction.

The state of Colorado is fairly straight-forward when it comes to closing costs and fees. The state is noteworthy in that title insurance rates are grouped by zone, rather than county, which could result in multiple-counties within a specific zone. 

Like all other “attorney states,” an attorney’s supervision is required for each real estate transaction involving property situated in Delaware. This, of course, means each transaction will have its own attorney fee.

With 254 counties, Texas offers numerous opportunities for tax or fee variability, and thus, its fair share of LE challenges.

While much of its real estate transactional volume takes place in Maricopa County, the state of Arizona does offer one occasional challenge in the assembling of the LE.

Perhaps Georgia’s most notable feature (in terms of LE challenges) is that it’s part of the class of so-called “attorney states.”

The Commonwealth of Pennsylvania holds a special place in our hearts, since it’s where LodeStar calls home. Pennsylvania does offer a handful of challenges for those assembling Loan Estimates for transactions occurring there.