How to Get a Mortgage
Meet the Escrow Agent

How to Get a Mortgage: Meet the Escrow Agent is a mortgage borrower's premiere home loan guide to buying a house. You've met your Realtor, lender, inspector, appraiser, title company, and insurance agent. Now introducing escrow.

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.

Closing Disclosure form - Protection to Buyers and Sellers

Escrow prepares a Closing Disclosure form, required by the United States Government to inform and protect home buyers and sellers.

The Closing Disclosure form is a financial summary. It itemizes deposits, fees, credits and debits of the real estate transaction.

Although a different form, it mirrors the figures on the Loan Estimate form.

Tip: When you go in to sign final documents at escrow, bring along your Realtor and mortgage representative's contact information and Loan Estimate form. 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 a reliable escrow officer on the Purchase And Sale Agreement.

Unique Home Buying Information

Now that you met your Dream Team, let's make your home buying a snap with the free Home Buying Scorecard. I know you are going to love it!

Ask Kate How to Get a Mortgage

What if you could ask a mortgage insider how to get a mortgage and how to buy a house? Now you can!

Ask Kate is specifically designed to answer your questions and create dialog regarding mortgage financing.

You'll also find a wealth of information at Kate's Best Mortgage Rate Blog packed with the latest additions to this website, interest rate updates and a fresh approach to lending.

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 - Expect more than quoting the lowest rate or taking an application.

Check out List of Mortgage Companies, a local lender directory.

How to Get a Mortgage Part 3 Meet your home inspector and avoid buying a money pit.

How to Get a Mortgage Part 4 Meet your real estate appraiser - Does an appraisal assures you of a good deal?

How to Get a Mortgage Part 5 Meet your title insurance companies for coverage resulting in peace of mind.

How to Get a Mortgage Part 6 Meet your homeowners insurance agent because there is more to it than the cheapest quote.

How to Get a Mortgage Part 7 Meet your escrow and closing disclosure form, the guardian of your real estate transactions.

Title, Abstract Services and Escrow Agents, a mortgage service provider directory.

How to Buy a House Questions and Answers II.

How to Buy a House Questions and Answers I.

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