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    • BlogPost(array)
      • id49
      • slugtypes-of-government-backed-mortgages
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      • autor_nameLightspeed Escrow
      • titleTypes of Government-Backed Mortgages & How They Work
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/types-of-government-backed-mortgages" }, "headline": "Types of Government-Backed Mortgages & How They Work", "description": "Discover the three types of government-backed mortgages and how they can help you achieve your dream of homeownership. Find out more in this informative guide.", "image": "https://lightspeedescrow.com/files/blog/e69cf03b-894b-433d-82c6-1fdbe4b3be16_the-inscription-mortgage.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com" }, "publisher": { "@type": "Organization", "name": "Organization", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/theme/Public/images/logo-dark.svg" } }, "datePublished": "2023-07-27", "dateModified": "2023-07-27" } </script> <p>Are you considering buying a home but feeling overwhelmed by the variety of mortgage options available?</p> <p>Navigating the world of mortgages can be complex, especially when it comes to government-backed loan programs. These loans are designed to provide more affordable and accessible financing options for homebuyers. Whether you're a first-time buyer or looking to refinance, it's important to understand the advantages and requirements of each type of government-backed mortgage.</p> <p>In this article, we will explore the various types of government home loans and delve into how they work. By gaining a deeper understanding on this subject, you can confidently approach the homebuying process and find the right mortgage for your financial situation.</p> <h2>What is a Government-Backed Mortgage?</h2> <p>A government-backed mortgage is a home loan that is insured or guaranteed by a federal agency such as the Federal Housing Administration (FHA), the U.S. Department of Agriculture (USDA), or the Department of Veterans Affairs (VA). Unlike traditional loans, which are issued solely by private mortgage lenders, government home loans are backed by the federal government, allowing lenders to offer more favorable terms.</p> <p>These loans are not obtained directly from the government, however. Instead, borrowers apply for them through private mortgage lenders. The federal government agency guarantees a portion of the loan, which reduces the risk for lenders and enables them to extend financing to borrowers who might not qualify for conventional loans.</p> <p>FHA loans are popular among first-time homebuyers due to their lower credit score requirements and lower down payment compared to conventional loans. USDA loans are designed for low- and moderate-income borrowers looking to purchase homes in rural areas, and they often offer 100% financing. VA loans are ideal for active-duty military members, veterans, and their families, offering favorable terms such as no down payment requirement and competitive interest rates.</p> <p>Overall, government-backed mortgages provide borrowers with opportunities to secure favorable terms and achieve their homeownership goals.</p> <p><img alt="house model on wooden table, mortgage concept" class="img-fluid" src="https://lightspeedescrow.com/img/house-model.jpg" /></p> <h2>Government-Backed Mortgage Loans vs Conventional Loans</h2> <p>Unlike conventional loans, Government-backed mortgage loans are insured or guaranteed by a federal government entity, such as the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA).</p> <p>This means that if the borrower defaults, the government entity will pay the debt. Since the risk for the lender is reduced, these loans often have more flexible credit requirements and lower down payment options, making them perfect for first-time homebuyers or those with lower credit scores.</p> <p>Another important difference is that government-backed mortgages are considered non-conforming loans. This means they don't meet the rules and standards set by Fannie Mae and Freddie Mac for conventional mortgages. While Fannie Mae and Freddie Mac are government-sponsored enterprises, they don't provide government-backed loans. Instead, they are owned by private shareholders and purchase mortgages from lenders.</p> <h2>Government-Backed Mortgage Types</h2> <p>There are three types of government-backed mortgages: FHA, USDA, and VA loans, each catering to specific borrower needs.</p> <p>Understanding these types of government-backed mortgages can help potential homebuyers make informed decisions when seeking financing options.</p> <h3>USDA Loans</h3> <p>USDA Loans are a type of government-backed mortgage program specifically designed to help borrowers in rural areas become homeowners. They are offered by the U.S. Department of Agriculture (USDA) and have some unique features that make them an attractive option for eligible borrowers.</p> <p>One major advantage of USDA Loans is that they do not have a specific minimum credit score requirement set by the USDA. However, it's important to note that individual lenders may have their own credit score requirements in addition to any set by the USDA.</p> <p>In addition, USDA Loans do not require a down payment, which can be a significant barrier for many first-time homebuyers. Instead, borrowers are required to purchase two types of mortgage insurance: an upfront mortgage insurance premium (MIP), which can be financed into the loan amount, and an annual mortgage insurance premium, which is paid monthly.</p> <h3>FHA Loans</h3> <p>FHA loans, backed by the Federal Housing Administration, are a popular option for low- and moderate-income borrowers. One of their major benefits is flexibility when it comes to credit score requirements. While most private lenders may require a minimum credit score, borrowers with lower scores can still qualify by providing additional documentation or a larger down payment.</p> <p>In terms of down payment options, FHA loans have a lower requirement compared to conventional loans. Borrowers can put down as little as 3.5% of the purchase price, making homeownership more accessible for those with limited savings.</p> <p>Another key aspect of FHA loans is the mortgage insurance premiums (MIP) that are required. Borrowers pay an upfront MIP at closing, which can be financed into the loan amount, as well as an annual MIP that is divided into monthly payments. This insurance protects the lender in case the borrower defaults.</p> <p>Overall, FHA loans provide an opportunity for borrowers with lower credit scores or limited funding for a down payment to achieve their homeownership goals.</p> <h3>VA Loans</h3> <p>VA Loans are mortgage programs specifically designed for military service members, veterans, and their surviving spouses. These government-backed mortgage loans offer several advantages compared to conventional mortgages.</p> <p>One major benefit of VA loans is their lower interest rates. This can result in significant savings over the life of the loan, making homeownership more affordable for those who have served in the military.</p> <p>Additionally, VA loans do not require a down payment. This means that eligible borrowers can finance 100% of the home's purchase price, eliminating the need to save for a large down payment.</p> <p>Finally, VA loans also give eligible borrowers the option for a cash-out refinance. This allows homeowners to tap into their home's equity and receive a lump sum of cash. The funds can be used for various purposes, such as home improvements, debt consolidation, or other financial needs.</p> <p>Overall, this type of mortgage provides military service members, veterans, and surviving spouses with favorable terms and flexible options. If you are eligible, exploring VA loans can be a great way to achieve homeownership or access the equity in your home.</p> <p><img alt="agent delivering sample homes to customers and there is mortgage loan contracts on the table" class="img-fluid" src="https://lightspeedescrow.com/img/mortgage-loan-contracts.jpg" /></p> <h2>Bottom Line - A Win for Homebuyers</h2> <p>To sum up, here's a short breakdown of each type of loan covered in the article:</p> <p>VA loans are designed for active-duty military members, veterans, and their families. These loans offer favorable terms such as no down payment requirement and competitive interest rates. Additionally, they don't require private mortgage insurance (PMI) and have more lenient credit score and debt-to-income ratio requirements.</p> <p>USDA loans are ideal for low- and moderate-income borrowers looking to purchase homes in rural areas. They often offer 100% financing and competitive interest rates. Additionally, USDA loans have lenient credit score requirements and flexible debt-to-income ratios.</p> <p>FHA loans are backed by the Federal Housing Administration and are popular among first-time homebuyers. They have lower credit score requirements and typically require a lower down payment compared to conventional mortgages. FHA loans also allow borrowers to have higher debt-to-income ratios.</p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>
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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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    • 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