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      • id7
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      • autor_nameLightspeed Escrow
      • titleA Homeowner’s Comprehensive Guide to Escrow Insurance
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/escrow-insurance" }, "headline": "A Homeowner’s Comprehensive Guide to Escrow Insurance", "description": "More than 260,000 escrows are closed every month in the US. But, do you know what escrow insurance is and how it relates to your homeowners insurance?", "image": "https://lightspeedescrow.com/files/blog/6c52b676-30cf-4b27-b9a8-f4c4d78557b4_man-reading-insurance-documents.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/theme/Public/images/logo.svg" } }, "datePublished": "2022-06-29", "dateModified": "2022-06-29" } </script> <p>Buying a property for the first time can be very exciting but sometimes also overwhelming. It's probably the most significant investment of your lifetime, and there's quite a lot to keep up with along the way. Each step of the real estate transaction process might be unfamiliar, from obtaining financing to making an offer and closing the deal.</p> <p>Another thing that might be new to you is the concept of escrow insurance. If you're taking out a mortgage, your lender will probably require you to have one to make sure you have enough money to cover the related expenses, including your homeowners insurance. It’s an unavoidable expense for most homeowners, but taking care of it with an escrow account can make things a little easier.</p> <p>Read on to learn the ins and outs of escrow insurance accounts as we break down how they work when it comes to paying your homeowners insurance premiums.</p> <h2>What Is Escrow Insurance?</h2> <p><strong><a href="https://lightspeedescrow.com/blog-post/how-to-open-escrow-account">Opening an escrow account</a> makes it easy to manage property taxes and insurance premiums for your home</strong>. It’s a very convenient and safe way of paying all bills when they’re due, as you don’t have to save for them separately or pay annual lump-sum expenses all at once because through escrow, you make monthly payments, where:</p> <ol> <li>Part goes toward your mortgage to pay your principal and interest.</li> <li>The other part goes into your escrow account for property taxes and insurance premiums (like homeowners insurance, mortgage insurance, or flood insurance).</li> </ol> <p>When your taxes and homeowners insurance fall due, your mortgage lender uses the funds in your escrow account to pay those bills on your behalf. As you make these monthly payments, the loan servicer will set aside a portion of your mortgage payment and hold it in your account to cover taxes and insurance payments associated with the property. For example, your homeowners insurance will be paid out of the escrow account.</p> <h3>Does Escrow Include Home Insurance?</h3> <p>Does escrow pay home insurance? In short, yes. Your escrow account is specifically designed to pay for your homeowners insurance premium each month, as well as property taxes. Keep in mind that your escrow funds won’t be used to cover expenses related to homeownership, like your utility bills or HOA fees.</p> <h2>What Is Escrow Home Insurance?</h2> <p><strong>Homeowners insurance, also called home insurance, is a type of property insurance that covers your home, its contents, and more</strong>. Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of personal belongings, and injury that arises while on the property. You pay an annual premium for the coverage, and the insurance company pays for any covered losses up to your insurance policy’s limits.</p> <p>Home insurance isn't a luxury. It's more of a necessity, and not just because it protects your property against destructive events. Most mortgage companies require borrowers to have insurance coverage for their property and won't make a loan or finance a residential real estate transaction without proof of insurance. Using an escrow home insurance account for your homeowners insurance payments provides protection to both you and your lender.</p> <h3>How Does Homeowners Insurance Escrow Work?</h3> <p>A homeowners insurance escrow account is a separate bank account designed to house money set aside each month to pay for several essential mortgage items, including homeowners insurance. Paying home insurance through an escrow account is very convenient as your policy premium is essentially rolled into one account. It also guarantees you'll have enough money to cover lump sum property taxes and homeowners insurance payments when they’re due.</p> <p>Paying your homeowners premium and property taxes through an escrow account isn’t required for all home loans but is common. Many homeowners home insurance payments are part of their monthly mortgage payment and are typically kept in an escrow account. The benefits of an escrow account are many, but it comes down to whether you like to be more hands-off when it comes to your monthly payments and value agency over your account.</p> <p>It’s also worth noting that an escrow account has no impact on your insurance premiums, so it doesn't make home insurance cheaper or more expensive. However, homeowners premiums and annual property taxes can fluctuate. When such changes occur, the mortgage servicing company will simply adjust the amount you must pay to the escrow account.</p> <h3>Benefits of Having an Escrow Insurance Account</h3> <p>Whether or not you should get homeowners insurance escrow is up to you and your mortgage lender. Ultimately, you’ll need to decide if you prefer making the monthly payments yourself or if you want to have that process automated. Understanding the pros and cons of paying homeowners insurance with an escrow account will help you make the best decision for your needs.</p> <ol> <li><strong>Automatic payments</strong>: You may like the convenience and peace of mind that an escrow account allows you to take care of payments with virtually no effort on your part. Instead, the mortgage servicer sends your payment to your insurer for you. You don't have to worry about paying various home-related taxes and insurance bills on time, which allows you to avoid late penalty fees.</li> <li><strong>Incentives</strong>: Some mortgage lenders incentivize escrow accounts to make them more attractive to homeowners, so you may save more on your interest rate or closing cost.</li> <li><strong>Potential to earn interest</strong>: You may even be able to make interest from an escrow account, but this varies by state and lender.</li> <li><strong>Always in the loop</strong>: With escrow insurance, there are no surprises with large annual premium payments. Your lender will also typically notify you of any changes to your payments and report your account balance, including overages and shortages.</li> </ol> <p>The cons of homeowners insurance escrow? You will probably have to make a larger upfront payment since you are generally required to prepay homeowners insurance, and you could miss out on short-term investment opportunities by not saving the money in your own account. Nonetheless, as mentioned above, some states allow you to earn interest even from the escrow account.</p> <h2>FAQ</h2> <h3>Is Homeowners Insurance Included In Mortgage?</h3> <p>Your homeowners insurance premium is included in your mortgage payment if you have an escrow account. When you pay your mortgage through escrow insurance, a portion of the overall payment is set aside in your escrow account to pay for your homeowners insurance and property taxes (and mortgage insurance if your lender requires it). This way, all insurance and property taxes are automatically paid from the escrow account when they're due.</p> <h3>Can I Pay My Homeowners Insurance Myself?</h3> <p>Homeowners insurance can be paid through an escrow account or directly by you to your insurance company. Whether or not you can pay your home insurance yourself depends on how your mortgage is set up.</p> <p>Some may have the option to pay their property taxes and homeowners insurance themselves. However, most mortgage servicers require an escrow account for borrowers whose down payment is less than 20 percent. If your home is paid off, you will not have an escrow account, and you’ll pay your premium to the insurance company directly.</p> <p>With an escrow account, your homeowners insurance will be paid yearly. If you don't have an escrow account, you can typically choose to pay for your home insurance monthly, quarterly, semiannually, or yearly.</p> <h3>How to Change Home Insurance with Escrow?</h3> <p>Modern home insurance is very customizable, and many carriers are offering extensive coverage and incentives for signing up, such as discounts on your premium. You do not have to wait until your renewal date to change your homeoweners insurance escrow to a new carrier - you can change companies in the middle of your policy term.</p> <p>Paying your home insurance through escrow can be convenient, but if you want to change insurance providers, things can get a little tricky. So, how do you change homeowners insurance with an escrow account? Here’s what you need to do:</p> <ol> <li>Shop for and choose a new carrier</li> <li>Buy your new policy</li> <li>Notify your mortgage company</li> <li>Cancel your current policy</li> <li>Check with your mortgage lender for any payment changes</li> <li>Send any premium refunds to your new escrow account</li> </ol> <p>Changing home insurance through escrow doesn’t cost anything because all your lender has to do is update where they send your funds. If you paid the full coverage amount upfront but end up canceling your policy before the end date, you’ll receive a refund check for that allotted time. However, you could face a small fee for canceling your previous policy before it ends.</p> <h3>How to Lower Escrow Payment?</h3> <p>There are a few ways you can lower your escrow payments. You can dispute your property taxes if you think your property tax bill is too high, shop around for cheaper homeowners insurance premiums, or request a cancellation of your private mortgage insurance. You can also ask your lender to reevaluate your monthly escrow payment if you have evidence that shows you’re currently overpaying into escrow.</p> <h2>Reliable Escrow Insurance Services at the Speed of Light</h2> <p>Escrow is a vital part of real estate, especially when purchasing a home. Having an escrow insurance account can give you peace of mind by helping you budget the tiresome annual costs of being a homeowner. Trust and experience are essential in choosing an escrow company as escrow accounts are often a target for scams because of the large funds held in one place. Reputation for speed of transaction and competitive fees is also important.</p> <p>Yes, real estate deals can be complicated, but we make them simple. Light Speed is a full-service escrow committed to making transactions quick, seamless, and affordable throughout Southern California, whether you are a first-time or seasoned home buyer.</p> <p><a href="https://lightspeedescrow.com/contact-us">Get in touch</a> for reliable, expert, and fast escrow services today!</p>
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      • short_descriptionMore than 260,000 escrows are closed every month in the US. But, do you know what escrow insurance is and how it relates to your homeowners insurance?
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      • id10
      • slugdifferent-types-of-escrow
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      • autor_nameLightspeed Escrow
      • titleExplaining Different Types of Escrow
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/different-types-of-escrow" }, "headline": "Explaining Different Types of Escrow", "description": "It is scary to put your hard earn money in someone's hands just based on trust. But there are many types of escrow accounts, protecting both parties in the transaction.", "image": "https://lightspeedescrow.com/files/blog/065e45b7-1336-44c0-89da-ad00de1d8bd6_sale-purchase-contract-to-buy-a-house.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/img/logo.png" } }, "datePublished": "2022-07-07", "dateModified": "2022-07-07" } </script> <p>When two people enter a business that requires a transaction, there is often a factor of trust involved. Although most people have good intentions, it is scary to put your hard earn money in someone's hands without knowing what they are capable of and if they are looking for a naive victim. That is why there are different types of escrow accounts, protecting both parties in the transaction.</p> <p>Escrows are always run by an impartial third party - an escrow company or a title company - and have no other connections with the seller/lender/landlord or buyer/borrower/renter. Escrow accounts serve to create a safe and fair space for a transaction.</p> <h2>What Is an Escrow Account in General?</h2> <p>Escrow accounts are one of the best ways to ensure trust between two parties involved in any kind of transaction. Held by an impartial third party, they do not belong to either side. When an escrow account is opened its owner is an escrow holder, and that person is transferring the money or other assets only on these separate occasions:</p> <ul> <li>If the applicant (buyer/borrower/renter/) and the beneficiary (seller/lender/landlord) come to an agreement and every point of the sales contract is respected, then the escrow money goes to the seller - the transaction is done.</li> <li>If the buyer backs out of the sale, but under conditions not permitted under the sales contract, then the escrow money goes to the seller - the transaction is stopped.</li> <li>If the seller backs out under disallowed conditions, the escrow money goes back to the seller - the transaction is stopped.</li> <li>If the due date for paying a lump sum has come, the money that the homeowner paid monthly will be transferred to insurance companies, IRS, and others.</li> </ul> <p>An escrow account in the most simple way is a protector of assets, both financial and others, such as deeds and patent rights. It deals with the problem of trust in business and creates a safe space for applicants and beneficiaries.</p> <h2>Escrows in Real Estate</h2> <p>Escrows are used in real estate for several reasons, and they are a very frequently used transaction method. As you’re entering the market, either rental or home buying, you’ll see that escrows await you every step of the way.</p> <p>Homebuying is almost impossible to conduct without an escrow account between a seller and a buyer because it is such a large sum of money that no one wants to risk it. Renal and <a href="https://lightspeedescrow.com/blog-post/mortgage-escrow-account-pros-and-cons">mortgage escrows</a> are not always obligatory, but they are highly advised, as they can save you a lot of trouble in the long run.</p> <h3>Home Buying Escrow Accounts</h3> <p>Homebuying escrow accounts hold the buyer’s earnest money deposit until all the contingencies of the purchase agreement have been met. Once the buyer makes an offer and the seller accepts it, the earnest money deposit will be transferred to an escrow account. An escrow agent will be in charge to hold the money and keep track of the contingencies and conditions that the buyer and the seller need to meet.</p> <p>Once each party has done its part, and they are both content to move forward with the sale - their escrow agent will be present at the closing. At closing, the escrow money is transferred to the buyer's account and that real estate transaction is over, after which the escrow account closes.</p> <p>There are a few circumstances that favor neither the seller nor the buyer. According to the <a href="https://lightspeedescrow.com/blog-post/escrow-agreement">escrow agreement</a> and the purchasing contract, the money will be transferred back to the buyer if there are any unmet conditions or undisclosed issued by the seller. The escrow provider has to transfer the money to the seller if the buyer backs out of the sale without legal cover.</p> <h3>Mortgage Escrow Accounts</h3> <p>When the <a href="https://lightspeedescrow.com/blog-post/earnest-money">earnest money deposit</a> is transferred to the seller’s account it is not the end of the sale. If you are a borrower your lender will transfer the money to the seller as well, and you have to pay it back with interest. You will be paying a monthly mortgage payment, which consists of a loan principal and interest, but your homeowner costs don’t end there.</p> <p>Among other things, as a homeowner, you need to pay some annual or semi-annual costs, such as homeowners insurance and taxes. If you fail to pay your homeowner costs, your lender might have a problem selling the house or getting any money out of it.</p> <p>To ensure that the property is a smart investment, the lender will often require you to open an escrow account and pay monthly escrow payments. Those escrow payments are then stored on the account and disbursement comes when the fees and taxes are due. Their due dates and amounts are defined in an escrow agreement.</p> <p>Mortgage escrows have three types of real estate transactions: from the homeowner to the escrow account, where it builds up, from the escrow to the insurance companies and other institutions, and if there is anything left on the balance sheet - it goes back to the homeowner in a form of a refund.</p> <h3>Renting Escrow Account</h3> <p>The relationship between renters and their landlords can be complicated. There are plenty of landlords who try and take advantage of their tenants, but there are also renters who want to pay less or nothing for their accommodation.</p> <p>An escrow company or just an escrow account can help mediate their transactions. For example, if the landlord doesn’t provide necessities (water, heat, electricity) or doesn’t address the issues he is responsible for, the renter has the right not to pay their rent.</p> <p>However, instead of just denying to pay, they are sometimes required to open an escrow account, to show that they are serious about living in that place, and not just avoiding payments. Once the landlord resolves the issues, the escrow payments, in a form of collected rents, are transferred to his account.</p> <p>Safety deposits can also be saved up on an escrow account so that the landlord can keep track and doesn’t mistakenly spend it on something else.</p> <h2>Escrows in Trading and Business</h2> <p>Although escrows are a very common tool for real estate transactions, this doesn’t mean that other industries don’t use them, and often. We’ll list a few escrow accounts that you might encounter or hear about.</p> <h3>Online Shopping</h3> <p>Any type of online transaction can be helped by an escrow account for the full protection of both parties.</p> <h3>Software Escrow Accounts</h3> <p>When the buyer and software developer negotiate an agreement for licensing software, the escrow account acts as insurance. This is because the software developer can sell their product with a flaw, and once the deal is done, he can disappear and the software will not run. The escrow account will actually be a vault where all the code material is stored until the release conditions are met.</p> <h3>Freelancer Escrow Accounts</h3> <p>Freelancer escrows are a new and rising trend that started since freelance and remote work began spreading across the world. Escrow accounts for freelancers is ensuring that the freelancer will do their job and that their employer will pay them as previously agreed.</p> <p>When the freelancer is commissioned, the employer will transfer the escrow money to an impartial holder. When the freelancer does their job, the money will be released to them, if they fail to do the assignment, the employer will keep the money.</p> <h3>Construction Escrow Accounts</h3> <p>A construction escrow account is a part of both business and real estate types of escrows. That is because they are used by construction professionals for construction loans. When a housing developer wants to build a new house or totally renovate an old one, that’s when they go for a construction loan.</p> <p>The lender then opens an escrow account and funds the whole operation stage by stage. The developer can access the funds only by showing detailed receipts about the expenses.</p> <h3>Inheritance Escrow Accounts</h3> <p>When a person dies, their assets go into an escrow opened by tax authorities. This is to ensure that their surviving relatives will pay inheritance taxes and taxes that are left unpaid by the deceased.</p> <h3>Cross-Border Trade Escrow Accounts</h3> <p>Cross-border trade escrow accounts are opened for the purpose of exporter-importer transactions. The importer transfers the money onto an escrow account, escrow service provider verifies the payment and requests the start of exports. The exporter will get the money as soon as the goods arrive at an agreed location and time.</p> <h2>Do You Need to Open an Escrow Account?</h2> <p>If you need a reliable and specialized escrow holder, contact <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> and get in touch with one of the most professional <a href="https://lightspeedescrow.com/blog-post/what-does-an-escrow-company-do">escrow companies</a> in California. We are real estate experts and we know how much time can an escrow transaction take, that’s why we wanted to take matters into our own hands. We guarantee innovative escrow services and solutions.</p>
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      • id4
      • slugescrow-fees
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      • autor_nameLightspeed Escrow
      • titleHow Much Do You Pay in Escrow Fees?
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/escrow-fees" }, "headline": "How Much Do You Pay in Escrow Fees?", "description": "Do you wish to learn how to calculate the escrow fees of a real estate transaction? This article will answer your question and explain what they are in detail.", "image": "https://lightspeedescrow.com/files/blog/bbbdc6ed-4f68-4c21-a60d-9b31b71fda91_esrcow-calculate-fee.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/img/logo.png" } }, "datePublished": "" } </script> <p>There are a lot of moving parts to any real estate transaction, so it’s no surprise that many people get overwhelmed. From negotiating with lenders to talking to attorneys and real estate agents, it’s easy to get lost. On top of that, there are many fees and costs that need to be paid. We’re here to make it easier and explain one part of the process – escrow fees.</p> <p>Even this part is not simple, but if you read until the end, you should have a firm grasp of what you are paying and to whom. We’ll explain what escrow fees are, how to calculate them, and why it can appear that people use the term escrow fees to refer to different things. So let’s start.</p> <h2>What Are Escrow Fees?</h2> <p>Escrow fees are the costs that are paid to the escrow agency or company that handles the distribution of funds and documents during a real estate transaction or any other transaction that involves escrow.</p> <p>In simple terms, <strong>escrow fees are the fees you pay to your escrow company for their services</strong>. However, the reason the term escrow fees may seem to refer to multiple things is because:</p> <ol> <li>Escrow fees are a part of the closing costs.</li> <li>True escrow fees and other third-party costs are sometimes bundled together and called escrow fees.</li> <li>There is something called an estimated escrow that has nothing to do with the escrow fees we are discussing.</li> </ol> <p>Once again, an escrow fee is what you pay to your escrow company for their service. But because every real estate transaction contains a lot of interconnected parts and people often don’t clearly differentiate between escrow fees and the three points above, it can be hard to understand what you are actually paying for with escrow fees.</p> <p>So let’s make a clear delineation between these four notions.</p> <h3>Closing Costs vs. Escrow Closing Costs</h3> <p><strong>Closing costs are a wide set of fees that are typically between 3-6% of the purchase value of a property</strong>. Many things are included in the closing costs, such as a loan application and origination fee, home appraisal, insurance premiums, real estate agents' commissions, etc., and escrow fees.</p> <p>So, what you pay your escrow company is only a portion of the closing costs, thus closing costs and escrow fees are not synonymous.</p> <h3>Other Third-Party Costs Commonly Bundled Together with Escrow Fees</h3> <p>You may encounter ‘escrow fees’ that are 1-2% of the purchase price. <em>This is not the fee you pay to your escrow company</em>. If you see this, you can be reasonably sure that ‘escrow fees’ refers to the true escrow fees you pay to your escrow agency plus other third-party costs that are held in an escrow account (such as attorney fees, <a href="https://lightspeedescrow.com/blog-post/when-are-property-taxes-due-in-california">property taxes</a>, insurance, etc.)</p> <h3>What Is the Estimated Escrow Fee?</h3> <p>The third sticking point is estimated escrow and it has nothing to do with the escrow fees you pay during closing. When you take out a mortgage loan, you will find an ‘Estimated Escrow’ section in your loan estimate document.</p> <p>This is the approximate value of your property taxes and homeowners insurance per month. The money for your property taxes and homeowners insurance is held in an escrow account separate from the one that is used for closing on a house.</p> <p>This separate account is required by most lenders when you take out a conventional mortgage loan. Consequently, <strong>some people may refer to these monthly payments as escrow fees because they are paid from an escrow account, but they are not the fees you pay to your escrow company</strong>.</p> <h2>How Escrow Fees Are Calculated</h2> <p>Now that you, hopefully, understand what different people may mean when they use the term escrow fees, let’s explain how the actual fees you pay an escrow agency for their services are calculated.</p> <p><strong>Escrow companies charge a base fee and an additional fee based on the purchase price to both the buyer and the seller</strong>.</p> <ol> <li>The typical base fee is between $250 and $500.</li> <li>The additional fees are typically between $1.00 and $2.50 per $1,000 of the purchase price.</li> </ol> <p>So, for a house that sold for $500,000, both the buyer and the seller would be charged between $750 ($250 base fee + $1.00 x 500) and $1,750 ($500 base fee + $2.50 x 500).</p> <p>As you can see, the price range is rather large, so it’s worth shopping around for escrow services.</p> <h2>Who Pays the Escrow Fees?</h2> <p>Usually, the total escrow fee is divided by the buyer and the seller, but it’s not set in stone. In a seller’s market, like it is currently in most of the US, it wouldn’t be too out of place if the buyer offered to cover the escrow fees to sweeten the pot.</p> <h2>Are You Looking for Professional Services with Low Escrow Fees?</h2> <p><a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> provides speedy and accurate escrow services at a low cost. We are a group of real estate professionals that know the ins and outs of real estate transactions. Our mission is to help you in the closing process and make sure it is not delayed because of badly handled paperwork, technicalities, or unexpected costs.</p> <p>If you want to avoid unnecessary complications and avoid paying excessive escrow fees, <a href="https://lightspeedescrow.com/contact-us">contact Lightspeed Escrow</a>.</p>
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      • short_descriptionDo you wish to learn how to calculate the escrow fees of a real estate transaction? This article will answer your question and explain what they are in detail.
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      • titleWhat Is an Escrow Agreement and How Does It Work?
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/escrow-agreement" }, "headline": "What Is an Escrow Agreement and How Does It Work?", "description": "Does the concept of escrow confuse you and why should you pay for it? What is the purpose of an escrow agreement? Read on to have your questions answered.", "image": "https://lightspeedescrow.com/files/blog/91423f0f-c156-4ab5-86fe-f5f75d0a96a3_escrow-agreement-closed.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/theme/Public/images/logo-dark.svg" } }, "datePublished": "2022-06-22", "dateModified": "2022-06-22" } </script> <p>All parties in high-risk or high-value transactions want to have safeguards in place. After all, who would want to pay for a house only to find out later that the terms of sale weren’t honored? Escrow agreements are one of those safeguards – they make sure that transactions are closed only after all conditions set by the parties are met.</p> <p>But escrow agreements serve a wide range of purposes – from making sure that real estate transactions go through to safeguarding employees’ stocks until they can sell them. In this article, you will learn what escrow is and how it works, and the <a href="https://lightspeedescrow.com/blog-post/different-types-of-escrow">different types of escrow agreements</a> that exist. However, we should start with the basics.</p> <h2>What Is Escrow?</h2> <p>Escrow is commonly used during any larger transaction and in different contexts, so the term often confuses people. In its simplest form, <strong>escrow is a contractual legal arrangement where assets or funds are held by a third party on behalf of two parties involved in a transaction</strong>.</p> <h3>What Is the Purpose of Escrow?</h3> <p>The purpose of escrow is to protect the parties in a transaction. All transactions are contingent on specific conditions being fulfilled and <strong>escrow is the mechanism that ensures that both parties fulfill their obligations before the transaction is completed</strong>.</p> <p>For example, let’s say that you are buying a relatively large amount of electronic hardware from out of state. The seller needs assurance that you will make the payment, while you will only pay if the hardware arrives undamaged.</p> <p>What’s the solution? Escrow. You and the seller agree that you will put the money into an escrow account with instructions for the escrow agent that the money will be transferred to the seller once the goods arrive in the agreed-upon condition.</p> <p>This leads us to the escrow agreement.</p> <h2>What Is an Escrow Agreement?</h2> <p><strong>An escrow agreement, sometimes referred to as an escrow contract, is a contract that stipulates the terms, conditions, and responsibilities of the parties involved in the transaction.</strong></p> <p>If we were to go back to the previous example, the terms of the escrow agreement would be that:</p> <ol> <li>You, as the buyer, would deposit a specific amount of money in the escrow account;</li> <li>The escrow agent would transfer the money to the seller once the goods are delivered undamaged.</li> </ol> <p>The terms would likely be formulated differently and provide more details, but this would be their intended meaning.</p> <h3>Further Information Included in Escrow Agreements</h3> <p>Because the escrow agreement is a legal document, it includes other information besides the basic conditions for the transaction to go through. It typically includes:</p> <ol> <li>Information of the third party handling the funds / the escrow agent</li> <li>The escrow agent’s duties</li> <li>The escrow agent’s fees</li> <li>Definitions of the terminology relevant to the agreement</li> <li>A choice of court agreement in case of legal action</li> </ol> <h3>The Parties Involved in an Escrow Agreement</h3> <p>Three parties are always involved in an escrow agreement:</p> <ol> <li>The depositor</li> <li>The escrow agent</li> <li>The beneficiary</li> </ol> <p>Each party to the agreement can be termed differently – the depositor could be named ‘Buyer’ in the escrow agreement and the beneficiary ‘Seller’, or other terms could be used. However, <strong>the terms used for each party must be clearly defined in the agreement</strong>.</p> <h2>What Can Be Put in an Escrow?</h2> <p>Cash is most commonly put into an escrow account, but there is no limitation that an escrow must contain only cash. Many other valuable assets can be put into escrow, including:</p> <ol> <li>Stocks</li> <li>Deed</li> <li>Check</li> <li>Bonds</li> <li>Mortgage</li> <li>Promise to pay</li> <li>Patent</li> <li>Written document</li> </ol> <h2>Types of Agreements</h2> <p></p> <h3>Escrow Agreements in Real Estate</h3> <p>The most common use of escrow agreements is in <a href="https://lightspeedescrow.com/residential-resale">real estate transactions</a>. Short-term escrow accounts are opened by an escrow company to facilitate a sale and are used to store the funds and all the required documents.</p> <p><img alt="Man signing escrow agreement in real estate" class="img-fluid" src="https://lightspeedescrow.com/img/signing-escrow-agreement.jpg" /></p> <p>The escrow agent ensures that all parties fulfill the obligations stipulated in the escrow agreement and that all contingencies are met. Escrow agreements can be complex legal documents with many conditions.</p> <p>Let’s simplify it a bit and say that you are selling your house. You find a buyer and agree upon a price, but the potential buyer hasn’t taken out a loan yet. Both you and the buyer have certain conditions for the sale to go through.</p> <p>You set up an escrow account and deposit the deed to the house. Your condition is that the buyer must secure financing and deposit the necessary amount of money by a certain date, or otherwise, the deal will fall through.</p> <p>The buyer inserts a contingency clause into the agreement – the sale will only go through if a home inspection is passed. Once the buyer has secured financing and deposited the funds, the home inspection can be performed.</p> <p>The escrow agent is there to ensure that the buyer has deposited the agreed-upon amount of money and that you have passed the home inspection. After these conditions are met, they will transfer the deed to the buyer and the funds to you.</p> <p>An escrow agreement can (and usually does) contain many more conditions, but the principle is always the same.</p> <h3>Mortgage Escrow Agreements</h3> <p><a href="https://lightspeedescrow.com/blog-post/mortgage-escrow-account-pros-and-cons">Escrow accounts for mortgages</a> are the other type of agreement related to real estate. Unlike the previous type, these are long-term and sometimes required by a lender. They last for the life of a mortgage.</p> <p>A lender may open an escrow account and deposit a part of the borrower’s mortgage payment in an escrow – enough to cover future property taxes and insurance. When the levies are due, they are paid from the escrow account.</p> <h3>M&A Escrow Agreements</h3> <p>Escrow agreements are also commonly used during <a href="https://lightspeedescrow.com/escrow-for-commercial-transactions">mergers and acquisitions</a> of publicly-traded companies. There are many risks for buyers in these types of deals and escrow agreements are typically used to protect them.</p> <p>Often, the buyer will put a specific portion of the total purchase price into an escrow account. The funds will remain in the escrow for a specific, negotiated amount of time after the acquisition is completed.</p> <p>In case the company that is being bought hid crucial information during the sale or didn’t fulfill its obligations from the agreement, the buyer receives the funds back. Conversely, if everything is as it should be, the funds from the escrow account are transferred to the seller.</p> <h3>Stock Market Escrow Agreements</h3> <p>Stocks can also be kept in escrow. A company may use its shares as payment or as a part of a merger and keep the shares in escrow until the deal has been closed, based on the conditions set out in the escrow agreement. Shares that are issued to employees are also commonly held in escrow.</p> <p>A company may give its top executives shares as a bonus but put them into escrow for a negotiated period of time. The executive is the rightful owner of the shares, but they are limited in how they can use them until the period expires. Consequently, the shares will be kept in an <a href="https://lightspeedescrow.com/blog-post/how-to-open-escrow-account">escrow account</a> until the employee has a right to sell them.</p> <h3>The Benefits of Escrow Agreements</h3> <p><strong>Escrow agreements are used to protect both buyers and sellers</strong>. It is the escrow agent’s job to ensure that all parties meet their obligations and that no one is defrauded. Escrow is an added layer of security in high-value or high-risk transactions.</p> <h2>We Can Make Sure Your Escrow Agreement Is Honored</h2> <p><a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> offers speedy and accurate escrow services. We will make sure that all of your sensitive documents are kept secure and make sure that the terms of your escrow agreement are met. Our job is to make your transaction simple and go through without a hitch.</p>
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      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/close-of-escrow" }, "headline": "What Is Close of Escrow: Explaining the Escrow Process", "description": "Everything about real estate transactions can seem convoluted, including the close of escrow. This article explains how it works and what you can expect.", "image": "https://lightspeedescrow.com/files/blog/4be324bd-91a1-4b9a-adb6-a9f460d60af8_friends-at-housewarming.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/img/logo.png" } }, "datePublished": "2022-06-13", "dateModified": "2022-06-15" } </script> <p>Closing on a new home is one of the most monumental moments in a person’s life. But real estate is not as simple as – the buyer provides the money, the seller signs over the deed, and it’s done. There are many layers to the transaction and one of the major steps is the close of escrow.</p> <p></p> <p>In this article, you will learn what the close of escrow is, why it is important, and what the process includes. By the end, you should understand what is happening behind the scenes before you get the keys in hand. So let’s start.</p> <p></p> <h2>Defining Close of Escrow</h2> <p>One of the reasons everything around escrow can be so confusing is because escrow can refer to multiple things. If you’ve ever taken out a mortgage loan or know someone who has, you’ve likely heard of an <a href="https://lightspeedescrow.com/blog-post/how-to-open-escrow-account">escrow account</a> – the account that is used to hold monthly property tax and insurance payments and exists for the life of the loan.</p> <p></p> <p>This is the most common type of escrow account and most homeowners have opened one at some point. However, <em>this is not the type of escrow account that close of escrow is referring to</em>. Two escrow accounts are used when you are buying a home (unless you are <em>not </em>taking out a loan to buy the property).</p> <p></p> <p></p> <p>The first one is the one that was just discussed and relates to your mortgage loan. The second one is a short-term escrow account that is used to hold the necessary funds and documents until the real estate transaction is complete. This is the escrow account that close of escrow refers to.</p> <p></p> <p></p> <p>Buying a house is a complex process and can include a lot of conditions and contingencies. The buyer, seller, and their escrow agent all have legal obligations and responsibilities.</p> <p></p> <p></p> <p><strong>Close of escrow is the point when all parties have met their legal responsibilities and ownership of the property can change hands</strong>.</p> <p></p> <h3>Is Close of Escrow the Same as the Real Estate Closing Date?</h3> <p>Close of escrow could happen on the same day as the closing date, but they could also be different. Close of escrow happens when you and the buyer have completed your obligations towards each other – you have provided the good faith deposit and all required documents to the escrow agent and the seller has done the same with the keys and title documents.</p> <p></p> <p>Escrow has done its job and is now closed. <strong>But you could get the actual title, deed, and keys from your escrow agent on another day – this is your closing date</strong>.</p> <p></p> <h2>The Escrow Process Timeline</h2> <p>The close of the escrow can start after you and the seller have signed the purchase agreement and are now ready to finalize the transaction. The escrow process timeline starts with the good faith deposit and ends with signing the closing documents. Typically, it lasts between 30 – 60 days, but it can be shorter or longer depending on your agreement with the seller. As was mentioned, it starts with:</p> <h3>The Buyer’s Good Faith Deposit</h3> <p>You will provide a specific amount of money that essentially represents your seriousness about buying the house – thus the name good faith deposit (it is also called an <a href="https://lightspeedescrow.com/blog-post/earnest-money">earnest money</a> deposit). Your escrow agent will put this money into the escrow account. The good faith deposit is separate from the down payment.</p> <p></p> <p><strong>The good faith deposit sum will be a fixed sum or percentage-based</strong>.</p> <p></p> <h3>The Seller’s Disclosure</h3> <p>The next step is approving the Seller’s Disclosure – the legal document wherein the seller lists all problems with the home or previous occurrences that could affect the buyer’s willingness to buy the property.</p> <p></p> <p>In many states the seller is obligated to provide truthful disclosure of anything relevant; otherwise, the buyer could renege on the contract at a later date without any legal repercussions or the seller could be on the hook for any major flaws that were not disclosed.</p> <p></p> <p></p> <p>However, there is a principle called caveat emptor, that is, buyer beware in Latin. <strong>According to this principle, the buyer should do their homework and the seller is not obligated to disclose any defects with the property</strong>.</p> <p></p> <p></p> <p>While in theory caveat emptor can be applied everywhere, most states have buyer protections (like the Seller’s Disclosure) that effectively negate this principle. The states that lean towards allowing caveat emptor are:</p> <p></p> <ol> <li>Alabama</li> <li>Arkansas</li> <li>Georgia</li> <li>North Dakota</li> <li>Virginia</li> <li>Wyoming</li> </ol> <h3>Home Inspections and Appraisals</h3> <p>After approving the Seller’s Disclosure, the next step in the close of escrow is the home inspection and appraisal. A home inspection is when a professional inspects the house in detail to find any damage and see if repairs are needed. The buyer can ask the seller to fix any issues that were uncovered.</p> <p></p> <p>A <a href="https://sleeveuphomes.com/the-home-appraisal-process-what-is-it-and-how-does-it-work">home appraisal</a> is not the same as a home inspection – <strong>the purpose of an appraisal is not to find any faults with the house but to assess the fair market value of the property</strong>. Most lenders require a home appraisal before they are willing to give a mortgage loan. In practice, most lenders will not give a higher loan than what the appraisal determines the property is worth.</p> <p></p> <h3>Reviewing Escrow Documents</h3> <p>If everything is still going smoothly, the next step is to review all relevant escrow documents you are provided with. These can include the seller’s affidavit, bill of sale, transfer deed, mortgage application, mortgage deed, <a href="https://lightspeedescrow.com/blog-post/closing-disclosure">closing disclosure</a>, etc. You should consult with an attorney or agent when reviewing these documents.</p> <h3>A Final Inspection of the Property</h3> <p>The second to last step before the close of escrow is to take one more look at the property. While this step is not obligatory, it is highly advisable. Take a walkthrough of the house to examine whether it is in the same condition as you agreed upon.</p> <p></p> <p>Check whether nothing was damaged since your last inspection and if the seller is honoring the terms, e.g. if you agreed what appliances will be left in the house, check that they are still there. At this point, you likely can’t back out of the deal unless you find major damage, but you can possibly get the seller to fix the issues.</p> <p></p> <h3>Signing the Closing Documents</h3> <p>After the final walkthrough, you are nearing the close of escrow. You, the seller, the real estate agents, the title company, and the escrow representative need to meet and sign the required documents to make the sale official. At this point, <strong>you also need to make the down payment and pay the closing costs</strong>.</p> <p></p> <p><img alt="A man signing a real estate contract and an agent holding a key" class="img-fluid" src="https://lightspeedescrow.com/img/man-signing-real-estate-contract.jpg" /></p> <p></p> <p></p> <p>Once everything is finished, you are presented with the deed to your new home.</p> <p></p> <h2>Potential Issues and Delays with Closing of Escrow</h2> <p>There are some issues that can delay the closing of escrow. For instance, it’s possible that the buyer or seller did not provide all the necessary documents for finalizing the sale, which could delay the process. There could be issues with securing financing because of the appraisal.</p> <p></p> <p>It is also possible that your contract had contingencies (the conditions for the sale) – maybe your contract has a contingency clause that the sale only goes through if the home inspection does not uncover any undisclosed damage. Then it’s time to renegotiate or wait for the issues to be dealt with.</p> <p></p> <h2>An Escrow Company that Prevents Any Delays</h2> <p>The close of escrow process may seem unnecessarily convoluted, but its purpose is to protect both the buyer and the seller. And with the right escrow company helping you, it can be almost painless and you can prevent delays.</p> <p></p> <p><a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> was founded by real estate experts so we know the ins and outs of real estate transactions. If you are buying or selling a house in Southern California, we can ensure that everything goes according to schedule.</p> <p></p> <p></p> <p><a href="https://lightspeedescrow.com/contact-us">Contact us</a> when you need expedient escrow services or if you have any questions you would like answered.</p> <p></p>
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      • active(true)
      • deleted(false)
      • home(true)
      • created2022-06-07 02:30:40
      • modified2022-06-07 02:31:34
      • lngeng
      • short_descriptionReal Estate deals
      • keywords
      • image
      • canonical
      • index(false)
• title_for_layoutReal-Estate-Deals
• content(array)
  • descriptionReal Estate deals
  • keywords
  • imagehttps://lightspeedescrow.com
  • canonical
  • index(false)
• countries(array)
  • 1USA
• states(array)
  • 1Alabama
  • 2Alaska
  • 3American Samoa
  • 4Arizona
  • 5Arkansas
  • 6California
  • 7Colorado
  • 8Connecticut
  • 9Delaware
  • 10District Of Columbia
  • 11Federated States Of Micronesia
  • 12Florida
  • 13Georgia
  • 14Guam
  • 15Hawaii
  • 16Idaho
  • 17Illinois
  • 18Indiana
  • 19Iowa
  • 20Kansas
  • 21Kentucky
  • 22Louisiana
  • 23Maine
  • 24Marshall Islands
  • 25Maryland
  • 26Massachusetts
  • 27Michigan
  • 28Minnesota
  • 29Mississippi
  • 30Missouri
  • 31Montana
  • 32Nebraska
  • 33Nevada
  • 34New Hampshire
  • 35New Jersey
  • 36New Mexico
  • 37New York
  • 38North Carolina
  • 39North Dakota
  • 40Northern Mariana Islands
  • 41Ohio
  • 42Oklahoma
  • 43Oregon
  • 44Palau
  • 45Pennsylvania
  • 46Puerto Rico
  • 47Rhode Island
  • 48South Carolina
  • 49South Dakota
  • 50Tennessee
  • 51Texas
  • 52Utah
  • 53Vermont
  • 54Virgin Islands
  • 55Virginia
  • 56Washington
  • 57West Virginia
  • 58Wisconsin
  • 59Wyoming
• site_conf(object)
  • site_nameLightspeed Escrow
  • address
  • phone
  • email
  • url_facebook
  • url_twitter
  • url_linkedin
  • site_logo(object)
    • namelogo.png
    • typeimage/png
    • tmp_name/home/lightspeedescrow/tmp/phpgFCVqX
    • error0
    • size3752
  • site_favicon(object)
    • name
    • type
    • tmp_name
    • error4
    • size0
• enable_upsell0
• isHome(false)
• cart(false)
• is_front(false)
• body_classBlogPosts category Real-Estate-Deals page:10
• body_idBlogPosts-category-Real-Estate-Deals-page:10
• themes(array)
  • PublicPublic
  • CircuitCircuit
  • OfferOffer
  • PresellPresell
  • BoxBox
• $request->data(empty)
• $this->validationErrors(array)
  • Log(empty)
  • Permission(empty)
  • Aro(empty)
  • Aco(empty)
  • BlogPost(empty)
  • Setting(empty)
  • Settings(empty)
  • StateProvince(empty)
  • Country(empty)
  • Blog(empty)
  • User(empty)
  • log(empty)
• Loaded Helpers(array)
  • 0Time
  • 1Number
  • 2Session
  • 3Html
  • 4Gallery
  • 5Form
  • 6Paginator
  • 7Acl
  • 8SimpleGraph
  • 9DebugTimer
  • 10Toolbar
  • 11App
  • 12HtmlToolbar

App Constants

CakePHP Constants

PHP Environment

Included Files

Include Paths

• 0/home/lightspeedescrow/public_html/lib
• 2/usr/share/php
• 3-> /home/lightspeedescrow/public_html/lib/Cake/

Included Files

• core(array)
  • Behavior(array)
    • 0CORE/Model/Behavior/TreeBehavior.php
    • 1CORE/Model/Behavior/AclBehavior.php
  • Cache(array)
    • 0CORE/Cache/Cache.php
    • 1CORE/Cache/Engine/FileEngine.php
    • 2CORE/Cache/CacheEngine.php
  • Component(array)
    • 0CORE/Controller/Component/AclComponent.php
    • 1CORE/Controller/Component/Acl/DbAcl.php
    • 2CORE/Controller/Component/Acl/AclInterface.php
    • 3CORE/Controller/Component/SessionComponent.php
    • 4CORE/Controller/Component/CookieComponent.php
    • 5CORE/Controller/Component/PaginatorComponent.php
    • 6CORE/Controller/Component/AuthComponent.php
    • 7CORE/Controller/Component/RequestHandlerComponent.php
    • 8CORE/Controller/Component/Auth/FormAuthenticate.php
    • 9CORE/Controller/Component/Auth/BaseAuthenticate.php
  • Config(array)
    • 0CORE/Config/routes.php
    • 1CORE/Config/config.php
  • Configure(array)
    • 0CORE/Configure/PhpReader.php
    • 1CORE/Configure/ConfigReaderInterface.php
  • Controller(array)
    • 0CORE/Controller/Controller.php
    • 1CORE/Controller/ComponentCollection.php
    • 2CORE/Controller/Component.php
  • Datasource(array)
    • 0CORE/Model/Datasource/Database/Mysql.php
    • 1CORE/Model/Datasource/DboSource.php
    • 2CORE/Model/Datasource/DataSource.php
    • 3CORE/Model/Datasource/CakeSession.php
  • Error(array)
    • 0CORE/Error/exceptions.php
    • 1CORE/Error/ErrorHandler.php
  • I18n(array)
    • 0CORE/I18n/I18n.php
    • 1CORE/I18n/L10n.php
  • Log(array)
    • 0CORE/Log/CakeLog.php
    • 1CORE/Log/LogEngineCollection.php
    • 2CORE/Log/Engine/FileLog.php
    • 3CORE/Log/Engine/BaseLog.php
    • 4CORE/Log/CakeLogInterface.php
  • Model(array)
    • 0CORE/Model/Model.php
    • 1CORE/Model/BehaviorCollection.php
    • 2CORE/Model/ConnectionManager.php
    • 3CORE/Model/Permission.php
    • 4CORE/Model/Aro.php
    • 5CORE/Model/AclNode.php
    • 6CORE/Model/Aco.php
    • 7CORE/Model/ModelBehavior.php
  • Network(array)
    • 0CORE/Network/CakeRequest.php
    • 1CORE/Network/CakeResponse.php
  • Other(array)
    • 0CORE/bootstrap.php
    • 1CORE/basics.php
    • 2CORE/Core/App.php
    • 3CORE/Core/Configure.php
    • 4CORE/Core/CakePlugin.php
    • 5CORE/Core/CakeObject.php
    • 6CORE/Event/CakeEventListener.php
    • 7CORE/Event/CakeEvent.php
    • 8CORE/Event/CakeEventManager.php
  • Routing(array)
    • 0CORE/Routing/Dispatcher.php
    • 1CORE/Routing/Filter/AssetDispatcher.php
    • 2CORE/Routing/DispatcherFilter.php
    • 3CORE/Routing/Filter/CacheDispatcher.php
    • 4CORE/Routing/Router.php
    • 5CORE/Routing/Route/CakeRoute.php
    • 6CORE/Routing/Route/PluginShortRoute.php
  • Utility(array)
    • 0CORE/Utility/Hash.php
    • 1CORE/Utility/ObjectCollection.php
    • 2CORE/Utility/ClassRegistry.php
    • 3CORE/Utility/Inflector.php
    • 4CORE/Utility/Debugger.php
    • 5CORE/Utility/CakeText.php
  • View(array)
    • 0CORE/View/HelperCollection.php
• app(array)
  • Config(array)
    • 0APP/Config/core.php
    • 1APP/Config/bootstrap.php
    • 2APP/Config/database_logger.php
    • 3APP/Config/database.php
    • 4APP/Config/routes.php
  • Controller(array)
    • 0APP/Controller/BlogPostsController.php
    • 1APP/Controller/AppController.php
  • Model(array)
    • 0APP/Model/AppModel.php
    • 1APP/Model/BlogPost.php
    • 2APP/Model/Setting.php
    • 3APP/Model/Blog.php
    • 4APP/Model/User.php
  • Other(array)
    • 0APP/webroot/index.php
  • Routing(array)
    • 0APP/Lib/Routing/Route/SlugRoute.php
• plugins(array)
  • ContactUsManager(array)
    • Config(array)
      • 0ContactUsManager/Config/bootstrap.php
  • CountryManager(array)
    • Model(array)
      • 0CountryManager/Model/StateProvince.php
      • 1CountryManager/Model/CountryManagerAppModel.php
      • 2CountryManager/Model/Country.php
  • DatabaseLogger(array)
    • Plugin(array)
      • 0DatabaseLogger/Lib/Log/Engine/DatabaseLog.php
    • Model(array)
      • 0DatabaseLogger/Model/Log.php
      • 1DatabaseLogger/Model/DatabaseLoggerAppModel.php
  • DebugKit(array)
    • Component(array)
      • 0DebugKit/Controller/Component/ToolbarComponent.php
    • Plugin(array)
      • 0DebugKit/Lib/DebugMemory.php
      • 1DebugKit/Lib/Panel/HistoryPanel.php
      • 2DebugKit/Lib/DebugPanel.php
      • 3DebugKit/Lib/Panel/SessionPanel.php
      • 4DebugKit/Lib/Panel/RequestPanel.php
      • 5DebugKit/Lib/Panel/SqlLogPanel.php
      • 6DebugKit/Lib/Panel/TimerPanel.php
      • 7DebugKit/Lib/Panel/LogPanel.php
      • 8DebugKit/Lib/Log/Engine/DebugKitLog.php
      • 9DebugKit/Lib/Panel/VariablesPanel.php
      • 10DebugKit/Lib/Panel/EnvironmentPanel.php
      • 11DebugKit/Lib/Panel/IncludePanel.php
      • 12DebugKit/Lib/DebugTimer.php
  • Gallery(array)
    • Config(array)
      • 0Gallery/Config/bootstrap.php
      • 1Gallery/Config/routes.php
    • Plugin(array)
      • 0Gallery/Vendor/ZebraImage.class.php
    • Component(array)
      • 0Gallery/Controller/Component/UtilComponent.php
  • MaintenanceMode(array)
    • Plugin(array)
      • 0MaintenanceMode/Lib/Routing/Filter/MaintenanceMode.php