How To Get A Mortgage -- Who Is Escrow
How To Get A Mortgage is your premiere home loan guide to buying a house. You met your Realtor, mortgage lender, inspector, appraiser, title and insurance agent. Now introducing escrow!
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Who Is Escrow - Meet Your Neutral Watch Dog
Some call escrow the guard dog of real estate transactions.
Simply put, escrow is a neutral third party between a buyer, seller, lender and real estate agent. Escrow is responsible for holding and transferring large sums of money once the terms of the real estate transaction have been met.
Terms of your contract originate with the Purchase And Sale Agreement. Escrow carries out these mutually agreed upon conditions, such as a clear title, satisfactory pest report and the specified day on which to close the transaction.
In some states, attorneys function as escrow. In other areas, escrows are divisions of title insurance companies. Escrow can also be a privately owned company.
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HUD 1 Statement - Protection To Buyers And Sellers
Escrow prepares a HUD 1 Statement, required by the United States Government to inform and protect home buyers and sellers.
The HUD 1 Settlement Statement is a financial summary. It itemizes deposits, fees, credits and debits of the real estate transaction.
Although in a different format, it mirrors the figures on the Good Faith Estimate.
Tip: When you go in to sign final documents at escrow, bring along your Realtor and mortgage representative's contact information and Good Faith Estimate. That way you can easily clear up potential confusion without leaving your signing appointment.
Escrow At Its Finest - Meet Linda
Over the years, I worked with many escrow companies but Linda shined like a star. Competent and knowledgeable, she carried out neutrality with courtesy and tact. Everyone felt special under her services. No wonder clients insisted on Linda for their next escrow.
Tip: Ask your Realtor to designate on the Purchase And Sale Agreement a reliable escrow officer.
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Learn MORE About Your Dream Team
How To Buy A House Part 1 Meet your real estate agent and save yourself heartache and headache.
How To Buy A House Part 2 Meet your mortgage lender - Discover why closing loans requires more than quoting the lowest rate or taking an application.
How To Get A Mortgage Part 3 Meet your home inspector and avoid buying a money pit. It's THAT simple!
How To Get A Mortgage Part 4 Meet your real estate appraiser - Don't fall into the trap of thinking the appraisal assures you of a good deal.
How To Get A Mortgage Part 5 Meet your title insurance companies for little known coverage resulting in peace of mind.
How To Get A Mortgage Part 6 Meet your homeowners insurance agent because there is more to getting insurance than the cheapest quote.
How To Get A Mortgage Part 7 Meet your escrow and HUD 1 statement - Find out why escrow is the guardian of your real estate transactions.
Stories From Home Buyers - Meet Kate's home buying visitors who tell their stories and give advice for buying a house.
Ask Kate About Home Buying - Ask a question to get an answer from Kate.
How To Buy A House Q and A - A complete collection of questions about home buying, each with a individual answer from Kate
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How To Get A Mortgage - Your personal guide explaining how to get a mortgage, answering questions such as who is Escrow and what is a HUD 1 Settlement Statement.