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    • BlogPost(array)
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      • autor_nameLightspeed Escrow
      • titleEscrow Guide: What Is Estimated Escrow?
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/estimated-escrow" }, "headline": "Escrow Guide: What Is Estimated Escrow?", "description": "We are here to help you with all unanswered questions, like - what is estimated escrow and how you pay it. Read this article to find out more about mortgage escrow accounts.", "image": "https://lightspeedescrow.com/files/blog/03e222f6-d7d0-4717-8a46-c8edbb198b66_man-and-woman-shaking-hands-making-a-good-deal.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": "2022-07-26", "dateModified": "2022-07-26" } </script> <p>Buying a house with little to no previous knowledge about the process means going through piles of paperwork and unknown terms, always in fear of making a mistake. Worry not! We are here to help you with all unanswered questions, such as - what is estimated escrow and how you pay it.</p> <p>When you get your loan estimate, check the part about your projected monthly payments. There, you will find how much you are potentially going to pay if you get approved for that same amount. Except for the interest and the loan principal, the loan estimate will include important homeowning costs, like taxes and insurance installments - which get paid through an escrow account.</p> <h2>All Parts of a Monthly Mortgage Payment</h2> <p>Once you’re paying for a monthly mortgage payment, you might feel as if it is larger than you expected when calculating principal and interest. That’s most likely because you are paying money that goes into your escrow account.</p> <p>Your monthly installment payment covers much more than just principal payback. Here is a visual of an average monthly payment.</p> <p><meta charset="utf-8" /><b id="docs-internal-guid-bba4125a-7fff-ed85-0ba0-57cfde3ee4f9"><img alt="Monthly Mortgage Payment" src="https://lh3.googleusercontent.com/ohJ3O72GlgnaQOCz5vfBRA8tA2ASK_j2f4oQtSBH7yKUzmMK0ulcBa32lH5n7sNsuMMCOFHwY0VgAg_zJv-Xtuvd_KfwrB7IMZLxrgjR51ZIuEDPHCX_20F7ETJMgbo2aEWkcs1afm8Mo92u0fmRHjc" style="width: 610px; height: 356px;" /></b></p> <h2><a href="https://lightspeedescrow.com/blog-post/mortgage-escrow-account-pros-and-cons">Mortgage Escrow Account</a></h2> <p>An escrow account is an essential part of owning a home, especially if you plan to sell it later on. This type of account is usually managed by your mortgage service provider, and it serves to collect monthly installment payments for taxes, insurance, and other homeowning costs.</p> <p>Each month as you pay your mortgage, you are adding money to an account that exists only to help you pay your homeowning costs in time. It helps you because you don’t need to pay a lump payment. And it helps your lender, as they usually feel the consequences of your unpaid liabilities.</p> <h3>Homeowner's and Mortgage Insurance</h3> <p>If you are buying a home without a down payment, you might want to check out an FHA loan. This type of loan requires no money down and allows you to pay off the balance over 30 years. Mortgage insurance is covered under escrow.</p> <p>However, there is one catch – you must buy mortgage insurance throughout the entire term of the loan. You can choose to waive the monthly premium, but it won't cover the whole amount. If you don't make payments on time, the lender could foreclose on your property.</p> <p>On the other hand, any homeowner, no matter the loan they took, needs to have home insurance or homeowner’s insurance. Those policies protect the property from numerous mishappenings, such as theft, natural disasters, and other damages.</p> <p>Home insurance protects you, your property, and the lender who invested the money into it. That is why it is included in the escrow account.</p> <h3>Property Taxes</h3> <p>The cost of buying a house varies widely depending on where you live. Some areas are expensive; others are cheap. But one thing doesn't change: taxes and other government fees.</p> <p>They're part of the total cost of ownership. Each state and the local government impose a property tax, which is around 1.1% of the average home value. Some states are famous for having very low property taxes - Alabama, Colorado, and Hawaii.</p> <p>Property taxes are paid once or twice a year, but if you pay them via escrow - you pay a small sum each month. When the taxes are due, your escrow holder is legally obliged to pay them on your behalf and send you the escrow disbursement.</p> <h2>Who Are Mortgage Servicers?</h2> <p>People usually mix mortgage lenders and service providers, even though the two have entirely different roles in your lending experience. Even though the lender loaned you the money, when the deal is closed, you will interact more with the servicer, as they handle your mortgage statements and escrow account.</p> <p>Your mortgage servicer is also the one you talk to about changes in your loan. If you want to make sure you know what to ask them, here are some questions to consider:</p> <ol> <li>How long have they been servicing my loans?</li> <li>What types of loans do they specialize in?</li> <li>Are there any servicer fees?</li> <li>Do I need to purchase homeowners' insurance through them?</li> <li>Is it possible to switch lenders without switching servicers?</li> <li>Can I change my address without changing my servicer?</li> </ol> <h2>What is Estimated Escrow?</h2> <p>When you sign a contract to purchase a home, the seller typically provides a document called an "<a href="https://lightspeedescrow.com/blog-post/escrow-agreement">escrow agreement</a>," which outlines the terms of the sale. In most cases, the buyer pays the seller up front, and the seller transfers ownership once the buyer makes the final payment.</p> <p>In return, the seller receives money from the buyer, known as the "down payment," plus a portion of the remaining balance due.</p> <h2>The Purpose of Monthly Escrow Payments</h2> <p>Having an escrow account protects your interests during the entire buying process. You won't pay for things you didn't agree to buy, which helps protect your credit score.</p> <p>Escrow accounts are used by real estate agents, lawyers, lenders, and even homeowners themselves. They're typically managed by a third party called an escrow holder. Your lender sets up the escrow account, and you'll use it throughout the transaction.</p> <p>A good escrow agent will make sure everything goes smoothly. He or she will review the contract, check out the property, and ensure that both parties are happy with what's being agreed upon. If there are any issues, they will work with you to resolve them.</p> <p>An escrow account is beneficial because it allows you to focus on the important stuff — finding the perfect house — while someone else takes care of the small stuff.</p> <h2>How to Find the Best Escrow Account Holder?</h2> <p>The best escrow holder is the one that has the three Rs - reliability, responsibility, and respect. You need a servicer who will keep the books tidy and your escrow funds untouched unless they are due.</p> <p>What you need is an experienced hand in the real estate jungle, and for that, you need to contact <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a>. We are real estate experts that decided to take matters into our own hands and create an environment where escrows are not a nuisance or a hold-back but rather a helpful tool for any real estate transaction.</p> <p>As you know, escrows are useful in many real estate transactions, and we can offer <a href="https://lightspeedescrow.com/services">our services</a> for all of them - from refinancing to buying and from homeowning to home selling.</p>
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      • autor_nameLightspeed Escrow
      • titleHow Does Preliminary Title Report Work?
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/preliminary-title-report" }, "headline": "How Does Preliminary Title Report Work?", "description": "If you’re about to buy a property, know that a preliminary title report is one of the most critical pieces of documentation involved in the sale of a home.", "image": "https://lightspeedescrow.com/files/blog/31c573b4-20e5-4994-921d-35902fea78c3_young-woman-examining-the-preliminary-title-report.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "" } }, "datePublished": "2022-09-07", "dateModified": "2022-09-07" } </script> <p><meta charset="utf-8" /></p> <p dir="ltr">Once you find your dream home, it’s vital to ask yourself whether you will be buying more than just a stunning home. Will you also be getting liens placed on the house by prior owners, and have documents been recorded that will limit your use of the property?</p> <p></p> <p dir="ltr">The preliminary title report offers you the chance to review matters affecting your property before purchase which will be excluded from coverage under your title insurance policy unless removed before purchase.</p> <p></p> <p dir="ltr">In this article, we have answered some of the most common questions regarding preliminary reports to help you better understand this often confusing subject.</p> <h2 dir="ltr">What Is a Preliminary Title Report?</h2> <p dir="ltr">The preliminary title report is a document that establishes legal ownership of a property, making it one of the most critical pieces of documentation involved in the home sale. A title company puts preliminary reports together to issue title insurance to the home buyer. With a preliminary title report, the buyer can have peace of mind that the individual selling the home owns 100% of the property and no other parties have a claim to it.</p> <p><img alt="keys and the keychain" class="img-fluid" src="https://lightspeedescrow.com/img/house-keychain.jpg" /></p> <p dir="ltr">Preliminary title reports can be obtained by ordering from a title company or contacting the county assessor for $75-$250.</p> <h2 dir="ltr">What Does a Preliminary Report Contain?</h2> <p dir="ltr">Preliminary reports can deliver critical information - they contain a detailed legal description of the property, any liens or debts against the property, and any restrictions regarding the use of the property. In addition, it contains the conditions under which the title company will issue a particular type of title insurance policy.</p> <p></p> <p dir="ltr">The preliminary report will offer you the chance to review matters affecting your property which will be excluded from coverage under your insurance policy unless removed or eliminated before your purchase.</p> <p></p> <p dir="ltr">Therefore, it will include any problems identified with the home title, title problems that will not be covered under the title insurance policy, and any actions required by the seller or owner to resolve issues with the title.</p> <h2 dir="ltr">Why Are Preliminary Title Reports Important?</h2> <p dir="ltr">Preliminary title reports are vital to all parties within a real estate transaction - current owners, real estate agents, buyers, and title insurance companies.</p> <p></p> <p dir="ltr">Because some homeowner associations can have restrictions that regulate anything from additions (like pools) to exterior paint colors, to a maximum height of hedges, it’s important to review the report so that you’re aware of any limitations on the property before you decide to buy it. </p> <p></p> <p dir="ltr">Note that if you are financing, the sale title insurance will most likely be required by your lender. And if any issues are uncovered during the discovery period, your title company will help you fix them before closing.</p> <h2 dir="ltr">When and How Is the Preliminary Report Produced?</h2> <p dir="ltr">A preliminary title report is run during the escrow process, and it calls for the assembly and review of certain recorded matters relative to the property. Learn more about <a href="https://lightspeedescrow.com/blog-post/what-does-an-escrow-company-do">what an escrow company does</a> and <a href="https://lightspeedescrow.com/blog-post/how-to-open-escrow-account">how to open an escrow account</a>.</p> <p></p> <p dir="ltr">However, some sellers choose to run a preliminary title report before putting their home on the market.</p> <h2 dir="ltr">The Difference Between a Preliminary Report and Title Insurance</h2> <p dir="ltr">A preliminary report is an offer to insure, not a report of an entire history of recorded documents related to the home. It’s a statement of the terms and conditions of the offer to issue a title insurance policy. However, it isn’t a representation of the condition of the title.</p> <p></p> <p dir="ltr">These differences are vital because no contract or liability exists until the title insurance policy is issued and the title insurance policy is issued to an insured individual, and others can’t claim the benefit of this policy.</p> <h2 dir="ltr">How Much Does Title Insurance Cost?</h2> <p dir="ltr">The cost of a title insurance policy varies by state and is based on factors like the lender, purchase price of the home, and down payment amount. Regardless of where you purchase your policy, having one will help you recover financial losses in the event of a total loss of the property due to an error in the title report.</p> <h2 dir="ltr">The Bottom Line</h2> <p dir="ltr">After reading this article, you have a good idea of what a preliminary title report is and what it offers to buyers. Having this type of documentation can protect you from issues related to real estate transactions.</p> <p><br /> If you are planning to buy real property and need the help of a professional, <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> can help you. In case you still have questions, contact us for any additional information, and we’ll be glad to help.</p>
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      • id46
      • slugcan-you-qualify-as-a-first-time-buyer-in-california
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      • autor_nameLightspeed Escrow
      • titleCan You Qualify as a First-Time Buyer in California?
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/can-you-qualify-as-a-first-time-buyer-in-california" }, "headline": "Can You Qualify as a First-Time Buyer in California?", "description": "What can you expect as a first-time buyer in California? There are great programs that can help you purchase your first house easier - here’s how to qualify!", "image": "https://lightspeedescrow.com/files/blog/f5323337-93ce-42ec-9b48-156dbe5d65b5_successful-agreement-estate-home-buying-contract.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": "2023-03-20", "dateModified": "2023-03-20" } </script> <p>Getting into the world of real estate, while exciting, can be a scary and overwhelming step. If you’re on the mission of buying your first home, we understand the pressure, nerves and uncertainty you may be feeling. So, we’re here to help.</p> <p>We want to teach you all about handling the real estate process as a first-time buyer in California. So, we’ll explain how you can qualify and get financing, which benefits you’ll reap as a first-time home buyer and how to make the process as smooth as possible. Let’s dive in and make your home-buying experience a stress-free adventure.</p> <h2>Who Is Considered a First-Time Buyer in California?</h2> <p>Before discussing qualifications for first-time buyers in California, let’s explain who a first-time buyer actually is. According to the <a href="https://www.calhfa.ca.gov/homebuyer/borrower.htm#:~:text=To%20know%20for%20sure%2C%20you,re%20a%20first-time%20homebuyer.">California Housing Finance Agency</a> (CalHFA), a <em>first-time homebuyer is a person who hasn’t owned and occupied a principal residence in three years prior to the purchase of a home.</em></p> <p>This means that even if you’ve owned property before, as long as you haven’t lived in that property as your primary residence in the past three years, you may still qualify as a first-time buyer. And in case you’re purchasing a home with a spouse or partner, both parties must meet the first-time buyer qualifications to be eligible for certain programs and benefits.</p> <h2>Qualifications for a First-Time Home Buyer in California</h2> <p>Now that you have a general idea of who is considered a first-time buyer let’s explore the necessary requirements for a first-time home buyer in California.</p> <ul> <li><strong>Income requirements</strong>: Many first-time buyer programs have income limits that you must meet to be eligible. These limits are typically based on the median income in the area where the home is located. Income limits might vary depending on the program or benefit being offered.</li> <li><strong>Credit score requirements</strong>: To qualify for many first-time buyer programs, you must have a minimum credit score. This score might vary depending on the program or lender, but generally, a credit score of 620 or higher is required.</li> <li><strong>Down payment assistance programs</strong>: A lot of programs offer down payment assistance in the form of grants or loans that don’t need to be repaid. These programs typically require you to contribute a portion of the down payment, but they still make buying a home more accessible.</li> <li><strong>Homebuyer education courses</strong>: Certain programs require completing a homebuyer education course that provides information on budgeting, credit management, and the home-buying process.</li> <li><strong>Other qualifications</strong>: Some programs may have additional qualifications, such as citizenship status or being a resident of a certain county or city.</li> </ul> <h2>Benefits of Being a First-time Buyer</h2> <p>Although, at first glance, it may seem like you’re not in an enviable position when buying your first home, there are actually quite a few advantages to being a first-time buyer. If you don’t believe us, here are the main benefits you’ll get.</p> <ul> <li><em>Access to down payment assistance programs</em>: Programs that offer down payment assistance can make homeownership more affordable by reducing the money needed for a down payment.</li> <li><em>First-time buyer tax credits</em>: California offers a first-time buyer tax credit that can be claimed on state income taxes. The credit is equal to 20% of the mortgage interest paid during the year, up to a maximum of $2,000 per year.</li> <li><em>Lower interest rates and mortgage insurance premiums</em>: With some programs, you can get lower interest rates and mortgage insurance premiums.</li> <li><em>Increased inventory of homes available to first-time buyers</em>: Some programs offer special incentives for sellers to sell their homes to first-time buyers. This increases the inventory of homes available to first-time buyers and makes it easier to find a home that fits their budget and needs.</li> </ul> <h2>Does California Have a First-Time Buyers Program?</h2> <p>Great news! <strong>Not only does California have a first-time buyer program, but it also has several other programs and benefits aimed at helping first-time buyers achieve homeownership</strong>.</p> <p>One of the more popular programs is the California Housing Finance Agency (CalHFA) program. It provides financing and down payment assistance to eligible first-time buyers. The program offers a variety of loan options, including fixed-rate and adjustable-rate mortgages, and can provide up to 5% of the loan amount in down payment assistance.</p> <p>In addition to CalHFA, there are several other first-time buyer programs available in California. These include the MyHome Assistance Program, which offers up to 3.5% of the home purchase price in down payment assistance, and the Mortgage Credit Certificate (MCC) Program, which provides eligible first-time buyers with a tax credit of up to 20% of the mortgage interest paid each year.</p> <p>So, it’s down to you to find a program that works for you and that you’re eligible for. Which one will it be?</p> <h3>How to Apply for First-Time Buyer Programs in California</h3> <p>So, there are various California first time home buyer programs you can go for depending on your situation, but how do you apply for them? These are some general guidelines for applying for first-time home buyer programs in California.</p> <ul> <li><strong>Eligibility</strong>: Review the qualifications and requirements for the specific program you are interested in applying for to determine if you meet the eligibility criteria.</li> <li><strong>Finding a lender</strong>: Work with a lender who is approved to offer the program you are interested in.</li> <li><strong>Paperwork</strong>: Gather the necessary documentation, such as income statements, tax returns, and bank statements, to support your application.</li> <li><strong>Application</strong>: Be sure to provide accurate and detailed information, and answer all questions truthfully.</li> <li><strong>Homebuyer education course</strong>: If the program you’re applying for requires a homebuyer education course, attend the course and provide proof of completion.</li> <li><strong>Approval</strong>: Wait for the lender to review your application and determine if you are approved for the program.</li> <li><strong>Closing</strong>: If approved, work with your lender to complete the closing process and purchase your home.</li> </ul> <h2>Don’t Forget About Escrow</h2> <p>Even when you’re getting assistance from one of the first-time buyer programs, going through the escrow process is recommended. This means that you need to understand how beneficial this process is and meet the <a href="https://lightspeedescrow.com/blog-post/california-escrow-requirements">California escrow requirements</a>.</p> <p>During escrow, <strong>a neutral third party holds onto funds and documents until the end of the real estate transaction</strong>. This ensures that both the buyer and seller fulfill their obligations before the transaction is complete.</p> <p>The escrow company collects and holds onto funds, such as the buyer's down payment and closing costs, until all conditions of the sale have been met. They also review and prepare documents, such as the purchase agreement and deed, to ensure they are complete and accurate.</p> <p>Once all conditions have been met, the escrow company will release the funds and documents to the appropriate parties, and the transaction will be complete. This process might be a little more complex and there are more <a href="https://lightspeedescrow.com/blog-post/explaining-escrow-terms">escrow terms</a> to get familiar with, but knowing the basics is a good starting point.</p> <h2>Work With an Escrow Company and Close ASAP</h2> <p>Whether you’re buying your first or tenth home, escrow is just as important. Working with a good escrow company will help make the process simpler than ever and make your home-buying experience less stressful. <strong>Lightspeed Escrow is here to handle the</strong> <strong><a href="https://lightspeedescrow.com/blog-post/escrow-process-from-start-to-finish">escrow process from start to finish</a></strong>!</p> <p>We’re escrow experts with years of experience and our goal is to help out clients navigate any real estate translation with ease. Count on us to help you successfully and quickly close your first ever home in California – <a href="https://lightspeedescrow.com/contact-us">get in touch today</a>!</p>
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      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/escrow-process-from-start-to-finish" }, "headline": "Explaining the Escrow Process from Start to Finish", "description": "Learn everything you need to know about the escrow process in our article - timeline, real estate terms, and more!", "image": "https://lightspeedescrow.com/files/blog/d2850e7d-57e3-492d-a61f-a26fb3892d37_escrow-contract.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": "2023-03-13", "dateModified": "2023-03-13" } </script> <p>Are you in the process of buying or selling a home? Are you feeling overwhelmed by all these real estate terms, deadlines, and contracts? Even though there are professionals around you, you want to feel like you know what is happening and have arrived at the topic of escrow. You’ve come to the right place! In this blog, we'll discuss the escrow process and how it works in California.</p> <p></p> <h2>What is Escrow?</h2> <p></p> <p></p> <p>There are <a href="https://lightspeedescrow.com/blog-post/holding-escrow-vs-real-estate-escrow" rel="noopener" target="_blank">a few types of escrow</a> - all of them have in common a type of transaction between two parties who work in their own interests and an intermediary that protects the fairness of the transaction. It can be a transaction of information, money, intellectual or real estate property.</p> <p></p> <p>Today, we will focus on escrow in a real estate transaction, mainly where one private entity sells a house or apartment to another private entity. In a typical real estate transaction, an escrow company is hired as an impartial party.<strong> They receive the buyer's funds and the seller's property deed and hold them in a secure account until all of the terms and conditions of the transaction are fulfilled.</strong></p> <p>During the escrow process, the buyer and seller work to meet certain contingencies and obligations, such as completing home inspections, obtaining financing, and satisfying title requirements. Once all conditions are met, the escrow company releases the funds to the seller and transfers the property deed to the buyer.</p> <p></p> <h3>Who is Involved in the Escrow Process?</h3> <p></p> <p>Most escrow processes involve multiple parties besides just the <strong>buyer, seller, and an escrow company</strong>. All other parties are there to ensure that the seller and buyer play by the rules during the home-buying process.</p> <p></p> <p>For example, here are some vital subjects in an average escrow process:</p> <ul> <li><strong>The financial institution or private lender</strong> that provides the buyer with the funds to purchase the property. The lender may require the use of an escrow service to protect their interest in the property.</li> <li><strong>A title company</strong> that researches and verifies the legal ownership of the property and ensures that the title is clear of any liens or other claims.</li> <li>The buyer's and seller's<strong> real estate agents</strong> who help facilitate the transaction and ensure that all necessary paperwork and documentation is completed.</li> </ul> <p>Additionally,<strong> companies that provide contingency closures</strong> (inspection, appraisal, insurance, etc.) play another important role in an escrow process.</p> <p></p> <h2>Escrow Process in California - Timeline</h2> <p><img alt="San Francisko California" class="img-fluid" src="https://lightspeedescrow.com/img/san-francisko-california.jpg" /></p> <p>Since each state’s standard procedure for an escrow process can vary in detail - we will focus on California, but you’ll get the gist.</p> <p></p> <h3>Escrow Opening</h3> <p></p> <p>In California, the escrow process begins with the creation of a purchase agreement, which is a legally binding document that outlines the terms of the sale. Once the agreement is signed by both parties, the buyer makes an initial deposit, known as an earnest money deposit, which is usually held by the escrow company until the transaction is complete.</p> <p></p> <p><strong>The escrow officer will work with the buyer's lender to ensure that loan documents are in order.</strong> This may include obtaining a title search, paying off any outstanding liens or mortgages, and preparing the final settlement statement. The settlement statement outlines all the fees and costs associated with the transaction, including any prorated taxes and fees.</p> <p></p> <h3>Escrow Closing</h3> <p></p> <p></p> <p>During the escrow process, both the buyer and seller will have certain responsibilities. The buyer should take care of the property’s future, and the seller should worry about a clean slate.</p> <p></p> <p>Meaning while<strong> the buyer makes arrangements for an inspection, financing, and repairs, the seller provides a clean title, pays for the repairs, makes sure there are no liens, and ensures the property is vacant for the closing</strong>.</p> <p>After the purchase contract conditions are met, it is time to close the escrow and the sale. The closing day happens three business days after the seller and buyer receive a closing disclosure.</p> <p>On closing day,<strong> the escrow process closes when the escrow company releases the funds and documents to the two parties</strong>. They sign the final paperwork, and the buyer pays the remaining balance due. The seller will then receive the funds from the sale, and the buyer will receive the keys to the property.</p> <p></p> <h2>FAQ</h2> <p></p> <p></p> <h3>What Does Open Escrow Mean?</h3> <p></p> <p>Once the escrow company receives the earnest money - it is considered an open escrow. It is not closed until the money is released from the escrow holder. It can happen when the sale closes and the purchase is finalized. Or if the buyer gives up on the sale.</p> <p></p> <h3>How Long is Escrow?</h3> <p></p> <p>It can take a month or two to close an escrow. This will depend on the proactivity of all invested parties. It can also depend on the state of the property. If there are issues found upon inspection or title discrepancies - it might take up to 90 days for the sale to close. <strong>Normally, if everything goes smoothly, it should not take more than 30 days.</strong></p> <p></p> <h3>Can I Get Earnest Money Back Without Buying a House?</h3> <p></p> <p><a href="https://lightspeedescrow.com/blog-post/is-earnest-money-refundable" rel="noopener" target="_blank">In short, yes</a>. That is what contingencies in a purchase contract are for - to protect your earnest money deposits in case something unpredictable happens. If you worry you might not get preapproved, you put the mortgage contingency.</p> <p></p> <p>If you think that the house you like might need more work than the seller disclosed - you put the inspection contingency in the purchase agreement. That way, you can safely back out and get your deposit back.</p> <p>If you just want to hop on another offer, you might lose your deposit.</p> <p></p> <h3>Who Opens an Escrow - Buyer or Seller?</h3> <p></p> <p>This is not a rule nor a regulation, but in most cases, the seller opens an escrow. Most likely, this happens because the seller doesn’t want to waste time and wants to choose a reliable escrow company.</p> <p></p> <h2>Escrow Should Be Lightspeed!</h2> <p></p> <p>Now that you’ve understood what the escrow process is and how much responsibility comes with a role of an escrow agent, we hope you’ll choose wisely who you rely on in your real estate transaction!</p> <p></p> <p>When choosing an escrow company in California, it's important to work with a licensed and reputable company. The California Department of Financial Protection regulates all escrow companies in the state, and you can check the status of a company's license on its website.</p> <p>We are licensed, highly skilled, and believe in <a href="https://lightspeedescrow.com/" rel="noopener" target="_blank">Lightspeed Escrow</a>! We are here to make the escrow process faster and more efficient. By using our escrow company, you can have peace of mind that your transaction is being handled by experienced professionals.</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/how-does-proration-in-real-estate-work-at-closing" }, "headline": "How Does Proration in Real Estate Work at Closing?", "description": "Proration in real estate is one more of those minor factors when you are buying or selling a house that can complicate things. So let’s learn how it works.", "image": "https://lightspeedescrow.com/files/blog/9b067cf1-c2ec-4ea2-b8c0-e42ee784622a_real-estate-agent-with-clients.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": "2023-03-06", "dateModified": "2023-03-06" } </script> <p>Nobody said that real estate transactions are simple. From negotiating with agents and banks to gathering all the required documents to figuring out who pays closing costs, it takes a lot of work. And then there’s proration. So what’s proration in real estate?</p> <p>In this article, we will explain what proration is and how it works when you are buying or selling a house. We’ll also cover some of the most common prorated costs and how they are calculated. So let’s start.</p> <h2>What Is Proration?</h2> <p><strong>Proration in real estate is the process of dividing transferable property-related expenses</strong> (e.g. property taxes) <strong>between the buyer and seller, typically at closing</strong>. In other words, proration means calculating and diving who pays for what once a property is sold in such a way that both parties pay only for the time they owned the property.</p> <p>Let’s say you just sold a house. You pay <a href="https://lightspeedescrow.com/blog-post/when-are-property-taxes-due-in-california">property taxes</a> for that house, typically in two yearly installments. But there’s no reason for you to pay property taxes after the property is no longer yours, right?</p> <p>However, you can’t just pay a portion of the taxes according to your calculations and call it a day or give the new owner how much you think the taxes will be. Well, ultimately, that is the point – for you to pay your dues (in this example property taxes) only for the duration that you own the house.</p> <p>It’s just that, like most other things relating to real estate, there is a lot of bureaucracy and procedures on how it must be done. And that’s what proration is – the official process of dividing the expenses so that each party only pays for the time they own the property.</p> <h3>Paying in Advance and Paying in Arrears</h3> <p>Here, we should note that you can pay expenses in advance or in arrears (paying later for costs that have already been incurred). To use the example of property taxes again – you may pay them in arrears, i.e. in 2023 you will pay the property taxes for 2022. These two types of payment methods are important because they will influence how proration is calculated.</p> <h2>Types of Prorations</h2> <p>Proration can be done with most expenses that should be divided between the buyer and the seller, but the most common types of prorations that relate to real estate are:</p> <h3>Property Tax Proration</h3> <p>The way you pay property taxes varies by state and sometimes by county. You may pay them in advance or in arrears, based on where your property is located. Depending on the situation:</p> <ul> <li>If the taxes are paid in advance, the buyer will need to reimburse the seller for the number of days of property taxes the seller paid in advance but did not own the home. The difference will show up as credits for the seller on the closing statement and debit for the buyer.</li> </ul> <p>To give an example, if you sold your house on June 1st but paid your yearly property taxes in advance, the buyer will need to credit you for the amount you paid from June 2nd to December 31st.</p> <ul> <li>In the opposite situation, when the taxes haven’t been paid yet, the reverse is true. The seller will need to credit the buyer for the unpaid property taxes up until the date that the property was sold.</li> </ul> <p>So property tax proration is the process of making sure that both the buyer and seller pay taxes for the time they owned the property. We should also mention that <strong>prorated charges can be deducted from your federal tax just like regular property taxes.</strong></p> <h3>HOE Fees Proration</h3> <p>If your property is in an HOE area, you likely have to pay HOE fees. Just like property taxes, you only need to pay the fees for the time you owned the house. HOA fees are typically paid from the proceeds of the sale and the seller gets credited by the buyer for the extra days that they paid.</p> <h3>Rent Prorations</h3> <p>Assuming you own a rental property and that your renters pay in advance, you are only entitled to the part of the rent that was due for the days that you owned the property. So, if the rent is $1,500 per month and you sold the property on the 15th, both you and the buyer get an equal share.</p> <p>The buyer would receive prorated credits of $750 on the <a href="https://lightspeedescrow.com/blog-post/close-of-escrow">closing statement</a>, while you, as the seller, would have prorated dues of $750. Security deposits from the renters (if a deposit was given) are also transferred in full to the buyer as credit.</p> <h2>The Role of the Escrow Agent in the Proration Process</h2> <p>Proration in real estate is the process of properly dividing real estate-related costs between the buyer and the seller at closing. While these costs are relatively minor compared to other closing costs, they can still be tricky to calculate and transfer properly.</p> <p>Were property taxes paid in advance or are they yet due? How much are the prorated property taxes? What were the HOE fees? How about rent? <em>That’s why escrow exists</em>. Your escrow agent will calculate what expenses were paid in advance and what in arrears. The agent will calculate who gets what and make sure it shows up on the closing statement.</p> <p>And prorated property taxes, HOE fees, and rent are the simpler parts of a real estate transaction. There are many more moving parts, like agent fees, transferring deeds, calculating mortgages, etc. that can stall or even make a real estate deal fall through.</p> <p>But that’s where we can help. <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> was founded by real estate experts with the aim of making real estate transactions as painless and quick as possible. We offer fast and accurate escrow services that can help selling or buying a house go smoothly.</p> <p>If you need professional escrow services or even just need advice from our escrow agents, don’t hesitate to <a href="https://lightspeedescrow.com/contact-us">contact us</a>.</p>
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  • 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