Welcome to the Law Offices of Sally A. Gardocki, LLC. We provide an array of real property legal services ranging from residential purchase and sale of property to real property refinancing and lines of credit. Our legal services also include drafting and negotiating purchase/sell documents, establishing LLCs, and small business contracts. Sally Gardocki is pleased to serve as an authorized agent for Fidelity National Title Insurance Company.
Serving Hilton Head Island and the Lowcountry of SC including Bluffon and Beaufort, South Carolina.
Serving Hilton Head Island and the Lowcountry of SC including Bluffon and Beaufort, South Carolina.
Services
1. "Do unto others as you would have others do unto you."
We strive to treat our clients as we would like to be treated.
We realize clients have a choice as to which attorney they chose for their transactions.
Our main objective is to serve our clients as we would expect to be served.
2. "A good reputation is more valuable than money."
We strive to keep abreast of the many changes that are sweeping this industry by attending seminars, conferences and Continuing Legal Education events around the country to observe how the top firms handle everything from intricate foreclosures to simple records management.
We strive to treat our clients as we would like to be treated.
We realize clients have a choice as to which attorney they chose for their transactions.
Our main objective is to serve our clients as we would expect to be served.
2. "A good reputation is more valuable than money."
We strive to keep abreast of the many changes that are sweeping this industry by attending seminars, conferences and Continuing Legal Education events around the country to observe how the top firms handle everything from intricate foreclosures to simple records management.
What is Title Insurance?
A seller only conveys to you the rights of the property that he currently has.
Title insurance provides coverage for losses due to defects in the title that occurred prior to your owning it, such as fraud or forgery or something that a detailed title search wouldn't have revealed.
You want to buy title insurance from a reputable company with a great record of accommodating claims.
The fee for title insurance is only paid one time, at closing, and it varies depending upon the cost of your property.
A seller only conveys to you the rights of the property that he currently has.
Title insurance provides coverage for losses due to defects in the title that occurred prior to your owning it, such as fraud or forgery or something that a detailed title search wouldn't have revealed.
You want to buy title insurance from a reputable company with a great record of accommodating claims.
The fee for title insurance is only paid one time, at closing, and it varies depending upon the cost of your property.
We ALWAYS suggest a survey be performed on your prospective property purchase.
A full survey is sometimes the only way to determine set back lines, possible encroachments or any violations of porches, driveways or pools that may exceed the set back line limitations.
The time to perform the survey is before the property becomes yours.
If something is found prior to the closing, such as a neighbor's shed being over the property line, or a lovely fence that unfortunately travels past the set back lines onto the golf course, the seller is generally the party who will have to make the changes so the property conforms to the restrictive covenants and neighborhood by-laws prior to your purchase.
A full survey is sometimes the only way to determine set back lines, possible encroachments or any violations of porches, driveways or pools that may exceed the set back line limitations.
The time to perform the survey is before the property becomes yours.
If something is found prior to the closing, such as a neighbor's shed being over the property line, or a lovely fence that unfortunately travels past the set back lines onto the golf course, the seller is generally the party who will have to make the changes so the property conforms to the restrictive covenants and neighborhood by-laws prior to your purchase.
All funds due from clients will be payable with a wire transfer.
You will receive wire instructions in your engagement package.
Typically, you would take these instructions to your bank and they would usually need a copy of your drivers license for their file.
Then, on the day of closing, you would probably call them to verify the amount of funds to be wired.
It is very important you call your bank early in the process so there are no delays in closing.
You will receive wire instructions in your engagement package.
Typically, you would take these instructions to your bank and they would usually need a copy of your drivers license for their file.
Then, on the day of closing, you would probably call them to verify the amount of funds to be wired.
It is very important you call your bank early in the process so there are no delays in closing.
It is always my suggestion that you contact your tax professional when trying to determine if you have a gain or a loss on your property.
I do not offer tax advice.
Basically in SC, the law requires that a buyer must withhold a percentage of the gain on the sale of the real property from the seller.
The amount, either 7% for individuals or 5% for corporations, is then forwarded by the buyer's attorney to the SC Department of Revenue.
If you are a primary resident of SC, you do not have to withhold at the closing since you will later be filing a SC tax return with your loss or gain being reported at that time.
I do not offer tax advice.
Basically in SC, the law requires that a buyer must withhold a percentage of the gain on the sale of the real property from the seller.
The amount, either 7% for individuals or 5% for corporations, is then forwarded by the buyer's attorney to the SC Department of Revenue.
If you are a primary resident of SC, you do not have to withhold at the closing since you will later be filing a SC tax return with your loss or gain being reported at that time.
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