Vixmom, as Jane said, real estate closings in California don't usually involve a lawyer. An escrow agent handles everything. My first experience with an escow agent went very smoothly and I think the agent was quite competent. In Virginia, closings were handled by a real estate attorney. Settlement was much as you described it: buyer, buyer's agent, seller, seller's agent, attorney, all convene at the seller's attorney's office to sign stacks of documents and finalize the transaction. I've never heard of a representative from the bank being there, though. Having been through both, I prefer having the attorney.