I live in Indiana, and I bought my house in 1994...and I have no idea what the heck a "closing agent" is. I went to the listing broker--who represents the seller--just as I would to a used car salesperson, and made an offer; the seller made a counter, and it was in the ballpark of what I was willing to pay [or more correctly, what I was willing to finance]. After messing around with the mortgage broker that the realtor recommended--who kept wanting a larger and larger downpayment to get me "bought"--I finally went to my own bank, which is what I should've done in the first place. I got a loan with downpayment and terms that I wanted, seller paid a portion of closing costs as he proposed in his counteroffer--and closing took place at one of the conference rooms at my bank. There was no "closing agent" involved, and all the numbers added up to exactly what we had agreed to prior to closing.
So I really have NO idea what a "closing agent" is, or why you would either NEED or WANT one in the proceedings...just another hand out for your money, in my opinion.
Ask someone to show you the law, chapter and verse, where a "closing agent" is required; bet they can't.
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