Mortgage brokers, mortgage bankers and other financial institutions will normally require that title be merchantable and insurable before being willing to loan money. Real estate is usually placed as collateral. When new homes are built and new financing is required, then permanent financing is required, or when a mortgage or deed of trust is refinanced, this law firm often will handle such a closing. Of course, when parties convey land to others, whether with or without the services of a realtor, this firm often conducts the closing. David Ringer is an agent of Chicago Title Insurance Company. The firm handles closings for clients whose mortgage companies include Regions Bank, BancorpSouth Bank, First Tennessee Bank, N.A.’ Peoples Bank of Mississippi, Realty Mortgage Corporation, Trustmark National Bank, Copiah Bank and many others.