Request History

No previous requests logged.

Session

• Config(array)
  • userAgent8e98ebf7d8017b85b884ec5dcf35926b
  • time1763623272
  • countdown10
• subscribe(false)

Request

Cake Params

• plugin(null)
• controllerBlogPosts
• actioncategory
• named(array)
  • page7
• pass(array)
  • 0Real-Estate-Deals
• isAjax(false)
• paging(array)
  • BlogPost(array)
    • page7
    • current5
    • count58
    • prevPage(true)
    • nextPage(true)
    • pageCount12
    • order(array)
      • BlogPost.modifieddesc
    • limit5
    • options(array)
      • page7
    • paramTypenamed
    • queryScope(null)

Post data

No post data.

Query string

No querystring data.

Cookie

• 0(empty)

Current Route

• keys(array)
  • 0controller
  • 1action
• options(array)
  • defaultRoute(true)
• defaults(array)
  • plugin(null)
• template/:controller/:action/*

Sql Logs

Logs

View Variables

• blogPosts(array)
  • 0(array)
    • BlogPost(array)
      • id36
      • slugexplaining-escrow-terms
      • user_id8
      • blog_id10
      • autor_nameLightspeed Escrow
      • titleExplaining Escrow Terms: The Principal in Real Estate Transactions
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/explaining-escrow-terms" }, "headline": "Explaining Escrow Terms: The Principal in Real Estate Transactions", "description": "Are real estate terms causing you confusion? This article explains who the principal in real estate transactions is and how the process works.", "image": "https://lightspeedescrow.com/files/blog/162f5475-7977-4db7-923c-45285ff935a9_looking-for-real-estate-financing.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": "2022-12-26", "dateModified": "2022-12-26" } </script> <p>If you are buying or selling real estate, you want everything done safely, quickly, and efficiently. The entire process involves multiple parties that ensure successful transactions during the purchase or sale. If you're looking to buy or sell real estate or take out a mortgage, then you've probably heard terms like the principal in real estate and escrow.</p> <p>If you are not a real estate expert and are not familiar with escrow terms, don't worry! This article will give you a detailed insight into what principal in real estate transactions is. But before that, we will refer to the very concept of escrow so that you can better understand the role of the principal in real estate. So, let's get started!</p> <h2>What Is Escrow?</h2> <p>Escrow is a legal arrangement in which a third party temporarily holds money or property, and it protects both the buyer and the seller during the buying process.</p> <p><strong>You can use escrow for 2 reasons:</strong></p> <ol> <li>to protect the deposit so that the money goes into the right hands (the deposit will remain in the escrow account at all times until the transaction is closed);</li> <li>to protect the property owner's funds for insurance and property taxes.</li> </ol> <p>There are two types of escrow accounts, one you can use when buying a property and the other during the loan repayment process. Most lenders require you to open an escrow account for the property taxes and home insurance that go along with your mortgage.</p> <h3>How Does It Work?</h3> <p>We'll give you an example. Let's say you want to buy or sell your house. For the entire purchase process to be valid, you must sign the purchase agreement. As with any paperwork, you are required to sign certain documents.</p> <p>The escrow company will hold all your documents and funds until you and the buyer have fulfilled all the rules of the contract. Then it is time to close escrow.</p> <p>But who manages the escrow account? It is a neutral third party (your escrow agent or company) whose job it is to ensure a reliable, high-quality, and fast transaction, with the principals in real estate being the most important clients.</p> <p>Also, there is a difference between escrow and principal in real estate that you should know. If you are paying toward the principal of your mortgage, you are paying toward the original debt. When you pay in escrow, you must set aside funds to pay future interest and taxes.</p> <p>Below, you will find out who they are, what their duties are, and their relationship with agents who also play an important role in real estate transactions.</p> <h2>Who Is the Principal in Real Estate Transactions?</h2> <p>In simple terms, the principals in real estate transactions would be the buyer and seller, landlord or tenant, licensor or licensor, broker or property manager involved in the contract. In the escrow process, <strong>principals are the primary parties of the transaction - the buyer and the seller</strong>.</p> <p>The buyer is the party who purchases the real estate property for a price set by the seller. They are typically represented by a real estate agent or broker and are responsible for obtaining financing, making offers, and negotiating the purchase contract.</p> <p>The seller is the party who owns the real estate property and is offering it for sale. They are typically represented by a real estate agent or broker and are responsible for setting the price, accepting offers, and negotiating the sale contract. They are also responsible for paying any taxes, fees, and closing costs associated with the sale.</p> <p>To avoid confusion, the term principal in real estate has several meanings in the world of finance. It can refer to money borrowed as a loan or put into an investment. In the context of lending, the principal is the initial amount of the loan, and in the context of investing, the principal is the initial amount invested.</p> <h2>What Is the Relationship Between Principals and Real Estate Agents?</h2> <p>Each principle in a real estate transaction has its own relationship with the agent, consequential with their needs and goals. They both want to get the most out of the transaction. There can either be two agents representing each principal, or one agent that tries to meet them in the middle. Either way, those two relationships are different.</p> <h3>Real Estate Agent and a Seller</h3> <p>The relationship between the seller and the real estate agent is a professional business relationship. The real estate agent acts as the seller's representative and is responsible for marketing the property, showing the property to potential buyers, negotiating the terms of the sale, and closing the deal.</p> <p>The seller pays the real estate agent a commission, typically a percentage of the sale price, upon completion of the sale. The seller relies on the real estate agent to represent their interests and to find a buyer for the property. The real estate agent is obligated to act in the best interests of the seller and must adhere to ethical standards and local laws.</p> <h3>Real Estate Agent and a Buyer</h3> <p>The relationship between the buyer and the real estate agent is one of trust and collaboration. The buyer relies on the real estate agent to provide expertise, guidance, and honest advice throughout the home-buying process.</p> <p>The real estate agent is responsible for finding the right home for the buyer, negotiating the terms of the sale, and providing information about the local market. The buyer trusts the real estate agent to provide accurate and up-to-date information and guidance, as well as to represent their best interests throughout the transaction.</p> <h2>What Are the Rights and Duties of the Principal in Real Estate?</h2> <h3>Rights of the Seller:</h3> <ol> <li>Right to set the price.</li> <li>Right to negotiate the terms of the sale.</li> <li>Right to receive payment for the property.</li> <li>Right to accept or reject any offers made on the property.</li> </ol> <h3>Rights of the Buyer</h3> <ol> <li>Right to inspection: The buyer has the right to inspect the property prior to purchasing it. This includes a physical inspection of the property to identify any physical defects or structural issues.</li> <li>Right to reasonable disclosure: The seller must disclose any material facts about the property that could affect the buyer's decision to purchase.</li> <li>Right to legal representation: The buyer has the right to have a lawyer present during the sale and during the negotiation process.</li> <li>Right to revoke the contract: The buyer has the right to revoke the contract if the seller fails to meet the terms of the agreement.</li> </ol> <h3>Duties of the Seller</h3> <ol> <li>Duty to disclose all material facts about the property</li> <li>Duty to provide accurate and complete information about the property</li> <li>Duty to transfer a clear title to the buyer</li> <li>Duty to comply with all applicable laws, ordinances, and regulations</li> <li>Duty to provide good faith, fair dealing, and honesty throughout the transaction</li> <li>Duty to promptly respond to all inquiries made by the buyer.</li> </ol> <h3>Duties of the Buyer</h3> <ol> <li>Duty to pay: The buyer has the duty to pay the purchase price according to the terms of the contract</li> <li>Duty to perform: The buyer has the duty to perform any obligations outlined in the contract, such as making necessary repairs or paying for additional services</li> <li>Duty to disclose: The buyer has the duty to disclose any material facts about the property that could affect the buyer's decision to purchase</li> <li>Duty to notify: The buyer has the duty to notify the seller of any changes in the buyer's</li> </ol> <h2>How to Find a Professional and Efficient Escrow Company?</h2> <p>Through this article, you learned about the unique role of a principal and its duties in real estate transactions and the escrow process. Although buying or selling real estate never sounds easy at first impression, in reality, you can really get lucky with an escrow company that makes all your buying process go smoothly and without difficulties.</p> <p>If you are looking for a reliable company in real estate that will professionally entrust all real estate transactions to your agent, <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> is the right place for you.</p> <p>Have more questions about escrow or principals? For quick and quality services, <a href="https://lightspeedescrow.com/contact-us">contact us</a>, and we will give you answers as soon as possible and provide you with an expert principal and fast real estate transaction on any escrow service.</p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>
      • images{"1":"162f5475-7977-4db7-923c-45285ff935a9_looking-for-real-estate-financing.jpg"}
      • short_descriptionAre real estate terms causing you confusion? This article explains who the principal in real estate transactions is and how the process works.
      • keywordsprincipal in real estate
      • intro_image9b29a599-7959-4481-8544-20a10e2bc164_looking-for-real-estate-financing.jpg
      • intro_image_mobile75a6b274-f29b-4b2f-8a0d-58d1201b7d0c_looking-for-real-estate-financing.jpg
      • active(true)
      • deleted(false)
      • archived(false)
      • tagsThe|Principal|in|Real|Estate|Transaction|-|Lightspeed|Escrow
      • promo_url
      • alternative_url
      • themePublic
      • layoutdefault
      • viewview
      • styleeng
      • created2022-12-26 00:58:50
      • modified2022-12-26 01:00:49
      • lngeng
      • canonicalhttps://lightspeedescrow.com/blog-post/explaining-escrow-terms
      • logo
      • index(true)
    • User(array)
      • id8
      • emaildata@play-media.org
      • namedata
      • password$2a$10$ZiuD3IQDq1rr2CVIagV7iOokenwhLixaVd22W/MeSmV7PYgZS/Nim
      • public_idfc9416c8-9b6b-43a1-9ed5-64a9d03c2579
      • active(true)
      • tokenhash(null)
      • avatar(null)
      • last_login2025-11-14 05:46:06
      • created2022-01-21 01:44:14
      • modified2025-11-14 05:46:06
    • Blog(array)
      • id10
      • titleReal-Estate-Deals
      • descriptionReal Estate Deals
      • 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)
  • 1(array)
    • BlogPost(array)
      • id34
      • slughomeowners-ultimate-final-walkthrough-checklist
      • user_id8
      • blog_id10
      • autor_nameLightspeed Escrow
      • titleHomeowner’s Ultimate Final Walkthrough Checklist
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/homeowners-ultimate-final-walkthrough-checklist" }, "headline": "Homeowner’s Ultimate Final Walkthrough Checklist", "description": "Take ownership of your dream home with peace of mind – arm yourself with the ultimate homeowner’s final walk-through checklist and insider tips & tricks!", "image": "https://lightspeedescrow.com/files/blog/87b1358e-9aee-4bd6-a886-241fa892268b_real-estate-guiding-a-couple-through-the-house.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "" } }, "datePublished": "2022-12-18", "dateModified": "2022-12-18" } </script> <p>Congratulations! You’ve made it to the final stretch before you become the proud owner of a brand-new home. With all the excitement around the closing day, it’s easy to forget all the little details that need to be scrutinized. But don’t get too complacent just yet. Before you can call yourself a homeowner, you’ll need to make sure your house is in <em>perfect </em>condition, and that’s where the all-but-necessary final walkthrough comes in.</p> <p>While it may seem daunting at first glance, knowing precisely what needs addressing can help alleviate some stress during this busy time as a homebuyer. <strong>Armed with our final walkthrough checklist and tips, you'll be ready to take ownership of your dream home in no time with peace of mind!</strong></p> <h2>What Is the Final Walk-Through Before Closing?</h2> <p>The final walk-through is one of the final and essential steps in a real estate purchase – it's a visit to the new home or property that you could soon call yours.<strong> It’s a chance to take one last look at your future home before making things official. </strong></p> <p>The final walk-through is an opportunity to review any recent repairs the seller made before closing and ensure that the property you have signed up for is in the condition you agreed on when making an offer. If there are any discrepancies or issues that need to be taken care of, <em>this </em>is the time to bring them up so that they can be rectified or compensated for accordingly during closing negotiations or forever hold your peace.</p> <p>If all checks out, then you can finally go ahead and enjoy the rewards of all your hard work hunting down a home sweet home!</p> <h3>Why Is the Final Walk Through Important?</h3> <p>Although final walkthroughs aren’t home inspections or required by law, it doesn’t make them any less vital. Nothing can replace the experience of seeing your soon-to-be home in person, and that's why it's absolutely essential. So, what is the purpose of the walkthrough?</p> <p>The final walk-through allows you to take everything in one last time before the purchase – it is the ideal (and last!) opportunity for homebuyers to inspect their new property right before sealing the deal to avoid any unpleasant surprises down the line, ensure all agreed-upon items have been completed, and any necessary repairs have been addressed before signing the official paperwork. </p> <p>It also provides an opportunity to check for any unexpected issues that may have cropped up since you last viewed the property.<strong> Essentially, it’s your chance to get a “last look” and shake hands with confidence. After all, peace of mind is priceless.</strong></p> <h2>Scheduling the Run Around: When Should the Final Walkthrough Take Place?</h2> <p>Getting to the closing table is a big deal, so it's important to make sure everything looks exactly as it’s supposed to. To help reduce some of the pressure at this crucial moment in your home-buying journey, <strong>it's best for the final walkthrough to take place about 24 hours before you're scheduled to close.</strong></p> <p>This gives buyers enough time to ensure there are no unexpected issues that could pop up and delay things while still getting them to the finish line with time to spare. And, if something isn’t right, you’ll still have time to ask for fixes or negotiate anything else needed before you move in, so you can start settling in peace!</p> <h3>How Long Does a Final Walk-Through Take?</h3> <p>Depending on the size of the home, how thorough you are with your “inspection,” and the number of potential issues you might encounter, <strong>a final walk-through generally takes around an hour or two </strong>– not quite the epic quest you may have been imagining.</p> <p>Another common question is: Does the house have to be empty for the final walk-through? It should, as you’ll be much quicker and thorough with your assessment without furniture getting in the way.</p> <p>So, while it may seem daunting at first glance, don't get too worked up about it. With our house or apartment walk-through checklist in hand, you'll be in and out quicker than you might think.</p> <h2>The Ultimate Final Walkthrough Checklist for Homeowners Who Want a Stress-Free Move-In Day</h2> <p>Moving into your dream home is an exciting time, but it can also be stressful. You want to take a good last look and make sure that everything is in order before you finally settle down. There’s a lot to keep track of, and it's normal to feel overwhelmed. But don't worry – we’ve got your back. </p> <p><strong>With our ultimate final walkthrough checklist for homeowners at hand, you can rest easy knowing that nothing will get overlooked before your move-in day! </strong>Follow these steps and tips closely, and soon enough, you'll be settled in your dream home without any major hiccups along the way.</p> <p>Here’s a detailed checklist of everything you need to do and look out for on your final walk-through before closing.</p> <ol> <li> <h3>Arm Yourself with All the Essentials</h3> </li> </ol> <p>You'd be forgiven for thinking the final walk-through might require nothing but some time and a cheery smile, but don't get caught unprepared. The crucial piece of equipment to bring with you is a <em>solid grasp</em> of what needs to get done. </p> <p>On top of that, come armed with:</p> <ul> <li>our new home walkthrough checklist in hand</li> <li>a notepad and pen in your pocket to keep notes</li> <li>a phone or camera to document any potential issues (don’t forget the phone charger!)</li> <li>your copy of the purchase contract and inspection report to know what to keep an eye out on</li> <li>a flashlight for better visibility during dark spots in the house.</li> </ul> <p>You wouldn’t be out of place bringing a magnifying glass or a friend or family member with you either, as an extra set of eyes just to make sure everything gets double-checked!</p> <ol start="2"> <li> <h3>The Basics</h3> </li> </ol> <p>Now, the burning question: What to look for in the final walk-through? </p> <p>On the day of your final walkthrough, ensure all of the agreed-upon repairs have been taken care of and that any items included in the sale (like kitchen appliances or security systems) are still in working order. Pay attention to details like cracked windows or doors that don’t open correctly; if something was supposed to be fixed, make sure it has been fixed!</p> <p>And if any items are missing or broken, <em>don’t </em>be afraid to speak up, even if it’s a minor issue — that’s what the final walkthrough is for!</p> <ol start="3"> <li> <h3>Check All Utilities</h3> </li> </ol> <p>Don't forget to test all utilities like water fixtures, electrical systems, and gas. You should turn on all light fixtures and check all outlets to ensure they work properly. Check the water pressure and hot water.</p> <p>If you're not 100% sure about how something works (like a shower with multiple knobs), <em>ask </em>questions until it makes sense—you don't want to be surprised by an unexpected flood when you move in!</p> <ol start="4"> <li> <h3>Scratch Beyond the Surface</h3> </li> </ol> <p>Sometimes, there is <em>more</em> than meets the eye. It's easy to overlook some of the less obvious aspects of a house during the final walkthrough—things like air conditioning filters, exhaust fans, ceiling fans, or dryer vents that might need cleaning after months of being closed up.</p> <p>Make sure to look at everything with a critical eye, so nothing gets overlooked; even things like checking behind large furniture pieces can save you time and money down the road. It's also important to note any changes from when you first saw the property; for example, did any paint colors change? If so, make sure those changes were agreed upon before the day of closing. </p> <ol start="5"> <li> <h3>Look for Signs of Mold & Pests</h3> </li> </ol> <p>Don't forget to check for any<em> unwelcome guests</em>, such as pest infestations and mold, as they can be dealbreakers! Don't let them sneak in unnoticed – they need to move out before you move in. Check the corners of closets and other hidden areas for signs of pests – you never know where little critters might be lurking, and also ensure no fuzzy spots have cropped up in damp places.</p> <ol start="6"> <li> <h3>Take a Spin Around the Block</h3> </li> </ol> <p>When you do the final walk-through of your new property, don’t forget to tour the outside too. Just like you paid attention to the nitty-gritty details inside, scope out how things look on the <em>exterior</em>. Check the landscape for any unexpected surprises like rogue weeds or trampled gardens, as well as irrigation systems, garage door openers, and gates.</p> <p>After all, there’s nothing more infuriating than signing for your house, then noticing that a crooked set of shrubs have become part of the front yard décor. So, before sealing the deal with a handshake and a smile, get out there, put on some insect repellent and take a look around—you may even have fun doing it!</p> <ol start="7"> <li> <h3>Leverage Mother Nature’s Tantrums</h3> </li> </ol> <p>Pro tip? If Mother Nature gives a pre-close blessing of bad weather, use this as an opportunity for another walkthrough to <em>double-check</em> that your future home is still in tip-top condition. Quick checklist for home walkthrough No. 2? Get those eagle eyes ready to spot any potential water damage or sinkhole surprises that could have been overlooked the first time!</p> <h2>Walk the Talk: Cross the Finish Line with Confidence & Peace of Mind</h2> <p>The final walk-through before closing is a crucial step in the property buying or selling process that should <em>never </em>be overlooked. With so much riding on completing a successful sale, it's best to make sure it all goes off without a hitch and that you’re getting your money’s worth before you sign on the dotted line. If you want to make the real estate closing process quick and painless, <a href="https://lightspeedescrow.com/" rel="noopener" target="_blank">Lightspeed Escrow</a> experts are at your service, whether you’re a buyer or a seller.</p> <p><strong>Don't throw in the towel if you encounter any issues – </strong>if something unexpected pops up while performing your final walkthrough, don't wave goodbye to your dream home just yet! Get your agent and seller involved, speak up, and have some patience. Sure, it may push back move-in day slightly, but at least they'll have time to work on a solution so you can get on the same page. </p> <p><strong>Whatever happens, just remember – human error might be inevitable, but moving-day blunders don't have to be! </strong>So, get ready to do one last lap around your soon-to-be new place, and take comfort in knowing that afterward, you'll have officially crossed over into "happy homeowner" territory!</p>
      • images{"1":"no"}
      • short_descriptionTake ownership of your dream home with peace of mind – arm yourself with the ultimate homeowner’s final walk-through checklist and insider tips & tricks!
      • keywordsHomeowner’s Ultimate Final Walkthrough Checklist
      • intro_image87b1358e-9aee-4bd6-a886-241fa892268b_real-estate-guiding-a-couple-through-the-house.jpg
      • intro_image_mobile564840ab-eabf-4100-a2ca-531265e950b9_real-estate-guiding-a-couple-through-the-house.jpg
      • active(true)
      • deleted(false)
      • archived(false)
      • tagsHomeowner’s|Ultimate|Final|Walkthrough|Checklist
      • promo_urlhttps://lightspeedescrow.com/blog-post/homeowners-ultimate-final-walkthrough-checklist
      • alternative_url
      • themePublic
      • layoutdefault
      • viewview
      • styleeng
      • created2022-12-18 16:21:44
      • modified2022-12-18 16:32:36
      • lngeng
      • canonicalhttps://lightspeedescrow.com/blog-post/homeowners-ultimate-final-walkthrough-checklist
      • logo
      • index(true)
    • User(array)
      • id8
      • emaildata@play-media.org
      • namedata
      • password$2a$10$ZiuD3IQDq1rr2CVIagV7iOokenwhLixaVd22W/MeSmV7PYgZS/Nim
      • public_idfc9416c8-9b6b-43a1-9ed5-64a9d03c2579
      • active(true)
      • tokenhash(null)
      • avatar(null)
      • last_login2025-11-14 05:46:06
      • created2022-01-21 01:44:14
      • modified2025-11-14 05:46:06
    • Blog(array)
      • id10
      • titleReal-Estate-Deals
      • descriptionReal Estate Deals
      • 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)
  • 2(array)
    • BlogPost(array)
      • id33
      • slughow-does-escrow-work-when-refinancing
      • user_id8
      • blog_id10
      • autor_nameLightspeed Escrow
      • titleHow Does Escrow Work when Refinancing?
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/how-does-escrow-work-when-refinancing" }, "headline": "How Does Escrow Work when Refinancing?", "description": "Are you refinancing your home and wondering what will happen with your escrow account? Read the article to learn how escrow works when refinancing!", "image": "https://lightspeedescrow.com/files/blog/1356ffd1-b850-4e81-8316-76b578c81777_real-estate-agent-offering-refinancing.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": "2022-12-09", "dateModified": "2022-12-09" } </script> <p>Becoming a homeowner comes with a fair share of big financial decisions. <em>Sometimes, opting to refinance your home after some time is the best way to make sure you are getting the most favorable terms on your mortgage</em>. But what happens to escrow once you refinance your mortgage?</p> <p>Escrow is a significant part of the home-buying process, and understanding it in its entirety helps you realize its importance. So, today we will answer the question, ''How does escrow work when refinancing?'' and help you comprehend what happens with your funds during this process. If you want to find out what you can expect when refinancing your home, keep reading.</p> <h2>How Does Refinancing a Home Work?</h2> <p>Refinancing a home means getting a new mortgage to replace the old one. This can be a good idea if you want to get a better interest rate or change the length of your mortgage. When you refinance, your old mortgage is paid off, and the new one starts. Part of this process includes putting money into escrow.</p> <p>When you refinance your existing mortgage, the new lender pays off the balance of your old loan. The remaining funds are used to finance a new loan with more favorable terms. After that, the process of how escrow works is similar to when you initially purchased your home.</p> <p><strong>A new escrow account will be established with the new lender</strong> who is responsible for collecting your monthly payments. The funds are then used to pay off your insurance premiums, property taxes, and other fees.</p> <h2>When Should You Refinance a Mortgage?</h2> <p>Refinancing a mortgage is an attractive option for homeowners who want to gain access to better terms and save money. Some common reasons you might opt for refinancing are:</p> <ul> <li>You can get a <em>lower interest rate</em> than your current one. Many lenders say that reducing the interest rate by 1% is enough reason to refinance a home, while others advise to only refinance your home if you can reduce the interest rate by 2%.</li> <li>You have the opportunity to take out a different loan that would <em>shorten the term of your loan without big changes in your monthly payments</em>.</li> <li>You want to switch from an adjustable-rate mortgage (ARM) to <em>a fixed-rate mortgage</em>. While ARMs often have lower interest rates initially, you can experience a hike in rates over time. That’s why people sometimes decide to move to a fixed-rate mortgage, as it can result in lower interest rates and more stability.</li> <li>You have <em>equity in your home</em> that can be used for other purposes such as consolidating debt or funding renovations.</li> </ul> <p>No matter what your motivation is for refinancing your home, it's always important to consider the fees associated with the process, as well as any long-term implications.</p> <h2>What Happens to the Escrow when You Refinance?</h2> <p>When you refinance your home, a new escrow account is established with your new lender. This means that the old one will be closed, and the funds will be used towards paying off your old loan.</p> <p>However, if there is a positive balance in the old account, you will <strong>get an</strong> <a href="https://lightspeedescrow.com/blog-post/escrow-refund">escrow refund</a> after the new lender has paid off your old loan. Unfortunately, escrow funds cannot be moved to new loans, even if they are with the same lender. You will get a refund for all property tax and insurance payments you have made to that account since the last payment, typically within 45 days. The amount will then be used towards your new loan or credited to you at closing.</p> <p>In some cases, the refund of escrow after refinance may be larger than the amount needed to pay off the previous loan. This is because your new lender may be able to get a better deal on insurance and taxes for you, resulting in a lower escrow payment.</p> <p>It is typically impossible to apply held escrow funds from a previous loan to your new escrow account on the refinanced mortgage because the money will be sent to you later. So, you need to have extra money available at closing to fund your new escrow account. The lender might also request that you pay a sizable amount of taxes into escrow in advance, depending on the time of year you are refinancing. If you're refinancing later in the year, this is something to keep in mind.</p> <h3>How Is Escrow Calculated on Refinance?</h3> <p>When you refinance your home, your escrow payments will likely change as well. This is because the amount of money that goes towards insurance and taxes can vary from one loan to another.</p> <p><em>Your new lender will use your annual property taxes and insurance premiums to</em> <a href="https://lightspeedescrow.com/blog-post/estimated-escrow"><em>estimate escrow</em></a>. This information is then used to calculate how much you need to pay each month for your escrow account. Depending on the new terms of your loan, this amount may be higher or lower than before.</p> <p>For instance, if your annual property tax bill is $2,400 and your insurance premiums are $1,800, your lender would divide these amounts by 12 to determine how much needs to be paid each month. That means you would have to pay $200 for taxes and $150 for insurance each month</p> <h3>Does Escrow Go up when You Refinance?</h3> <p><strong>It is possible for your escrow payments to increase when you refinance</strong>, especially if the terms of your new loan require a larger down payment. This means that more money will be needed in the escrow account to cover the insurance and taxes associated with the loan. However, it is also possible that your escrow payments will go down. If your loan has lower interest rates or if you have a shorter repayment period, then the amount of money needed in escrow could decrease.</p> <h2>Work with Reliable Escrow Holders</h2> <p><a href="https://lightspeedescrow.com/refinancing">Refinancing your mortgage</a> can be a great way to access better terms and save money. However, it's important to understand how escrow works when refinancing so that you are aware of any changes in your payments. Knowing the details of the process can help you make an informed decision and ensure that you get the best terms possible.</p> <p>Understanding and taking care of escrow can be very stressful for both first-time buyers and those with multiple properties. If you’re having trouble differentiating between the different <a href="https://lightspeedescrow.com/blog-post/different-types-of-escrow">types of escrow</a>, learning the rules, and understanding how it works, you have nothing to worry about. <strong>Lightspeed Escrow is at your service</strong>!</p> <p>With our expedient services, you can have peace of mind knowing that experienced escrow professionals are handling every step of this complex process. We aim to provide you with a <em>smooth, quick, and stress-free escrow experience</em>. So, no matter what type of real estate transaction you need help with, you can <a href="https://lightspeedescrow.com/contact-us">contact us</a> and rely on our experts to take care of everything.</p>
      • images{"1":"1356ffd1-b850-4e81-8316-76b578c81777_real-estate-agent-offering-refinancing.jpg"}
      • short_descriptionAre you refinancing your home and wondering what will happen with your escrow account? Read the article to learn how escrow works when refinancing!
      • keywordsHow Does Escrow Work when Refinancing
      • intro_image1f34b726-2bbc-4207-90f2-07688110ecb6_real-estate-agent-offering-refinancing.jpg
      • intro_image_mobilec79964fe-da62-431a-8965-3a06f53eba28_real-estate-agent-offering-refinancing.jpg
      • active(true)
      • deleted(false)
      • archived(false)
      • tagsHow|Does|Escrow|Work|when|Refinancing?|||Lightspeed|Escrow
      • promo_url
      • alternative_url
      • themePublic
      • layoutdefault
      • viewview
      • styleeng
      • created2022-12-09 07:35:07
      • modified2022-12-09 07:38:50
      • lngeng
      • canonicalhttps://lightspeedescrow.com/blog-post/how-does-escrow-work-when-refinancing
      • logo
      • index(true)
    • User(array)
      • id8
      • emaildata@play-media.org
      • namedata
      • password$2a$10$ZiuD3IQDq1rr2CVIagV7iOokenwhLixaVd22W/MeSmV7PYgZS/Nim
      • public_idfc9416c8-9b6b-43a1-9ed5-64a9d03c2579
      • active(true)
      • tokenhash(null)
      • avatar(null)
      • last_login2025-11-14 05:46:06
      • created2022-01-21 01:44:14
      • modified2025-11-14 05:46:06
    • Blog(array)
      • id10
      • titleReal-Estate-Deals
      • descriptionReal Estate Deals
      • 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)
  • 3(array)
    • BlogPost(array)
      • id18
      • slugwhat-is-firpta
      • user_id8
      • blog_id10
      • autor_nameLightspeed Escrow
      • titleBuying a Property from a Foreigner: What Is FIRPTA?
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/what-is-firpta" }, "headline": "Buying a Property from a Foreigner: What Is FIRPTA?", "description": "Knowing about FIRPTA comes in handy when buying a property from a foreigner or when a non-US citizen wants to buy, sell, or invest in the US real estate market.", "image": "https://lightspeedescrow.com/files/blog/84d416aa-87be-471c-bcc2-2a7285e64e52_individual-income-tax.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": "2022-08-24", "dateModified": "2022-08-24" } </script> <p>When scrolling through listings and preparing yourself for the inevitable stress that comes with property purchase, you might stumble upon a property that will give you more headaches than you can imagine. But, If you get familiar with something called FIRPTA, the sale process might be a standard walk in the park.</p> <p>Buying a property from a foreigner is a bit more complicated because of the federal law that obligates you, as the buyer, to withhold a certain amount of the selling price and send it to the IRS. In this article, we will talk all about FIRPTA procedures, forms, and circumventions.</p> <h2>Foreign Investment Real Property Tax Act</h2> <p>FIRPTA stands for Foreign Investment Real Property Tax Act. This act was initially enacted in 1980 to encourage foreigners to invest in the US and enable the influx of foreign money into the country.</p> <p>Anyone can buy a property in the US, as long as they have enough money and they want to spend it in the States - no regulations exist to discourage such actions. However, FIRPTA’s quest was to eliminate the part when the foreigners sold the property, collected the gains, and took them to their native country.</p> <p>So, knowing about FIRPTA comes in handy when buying a property from a foreigner or if you are a non-US citizen looking to buy, sell, or invest in the US real estate market. Of course, you are not alone in that process. You need a reliable and knowledgeable <a href="https://lightspeedescrow.com/blog-post/the-role-of-an-escrow-officer-in-real-estate">escrow officer</a> and/or real estate agent to hold the money and help you along the way.</p> <h2>What Does FIRPTA Mean for the Buyer</h2> <p>A foreign citizen can buy a property in the US with no fuss or worries, and he is treated the same as any other buyer. So, for now, FIRPTA does not concern him. He does not need a green card, tax identification number, or residence status.</p> <p>However, the buyer who is purchasing the property from a foreign citizen has to be aware of the responsibilities that come with it. Before opening the escrow, they are required to become a withholding agent and withhold a certain amount of the agreed property value.</p> <p>After the sale is closed, <strong>the buyer has the responsibility to transfer that money to the IRS</strong>. The residual amount of the selling price they transfer to the foreign seller. In the next chapter, we’ll dive into the selling process and the obligations that the seller has before the closing.</p> <p>Before that, it is important to note that the buyer holds responsibility for the withheld money. That means - a buyer is responsible for finding out if the seller is a foreigner or not. If he doesn’t have a social security number - he is a foreigner, and one part of the selling price goes to the IRS.</p> <h3>Buyer’s Declaration</h3> <p>The buyer’s responsibility in cases like this can become problematic if the seller has no ITIN number. To avoid or reduce the FIRPTA withholding, the buyer can sign the Buyer’s Declaration. Depending on the selling price and if the property serves as a primary residence for the buyer (or his immediate family) 50% of the time during the first two years, the withholding can be circumvented or decreased.</p> <p>A buyer can <strong>avoid FIPTA</strong> withhold entirely if:</p> <p>The selling price is less than $300,000</p> <p>A buyer (or their family member) plans to live in the property for at least 50% of the time for two years after closing</p> <p>A buyer will <strong>withhold only 10%</strong> if:</p> <p>The selling price is between $300,000 and $1,000,000</p> <p>A buyer (or their family member) plans to live in the property for at least 50% of the time for two years after closing</p> <p><strong>Total withhold, or a maximum of 15%</strong>, is required if:</p> <p>The selling price is over $1,000,000</p> <p>OR if the buyer doesn't intend to use the property as their residence, regardless of the sale price</p> <p><strong>If the buyer does not sign the FIRPTA declaration - the withholding will be 15% no matter the primacy of the residency or the price.</strong></p> <h2>What Does FIRPTA Mean for the Seller</h2> <p>Although the seller technically owes the IRS a part of their proceeds from the sale, they are not responsible for the transfer. Even though this might seem inconvenient, this requirement ensures that the seller does not leave the country with the money before paying it to the US government.</p> <p>But, you might wonder, how does one prove that they are or aren’t a US citizen? Upon opening a <a href="https://lightspeedescrow.com/blog-post/different-types-of-escrow">real estate escrow account</a>, the escrow holder sends a FIRPTA affidavit for the seller to sign and state that they are an American citizen. If the seller isn’t a US citizen, they send the document back blank - stating that they are a “non-resident alien.”</p> <p>Settlement agents (usually escrow holders) or withholding agents are not responsible for checking the accuracy of the document and will not be liable in case the seller has committed perjury. Their responsibility is activated only when the seller admits their foreign status.</p> <h3>Do You Need an ITIN Number to Buy a Property in the US?</h3> <p>One important thing to remember if you are looking into buying a property for cash as a foreigner is that you don’t need an ITIN number for now. However, you will probably need it after you’ve become a property owner, and <strong>you will most definitely need it once you’re trying to sell it.</strong></p> <p>An ITIN stands for <em>Individual Tax Identification Number</em>, and it is the way by which an IRS recognizes you. Without this number, you will be unable to pay taxes and get a return on your income.</p> <p>Without this number, you cannot sell your property as a foreigner, as you might violate FIRPTA. Only if the buyer signs the declaration that they will make the property their primary residence and if the purchasing price is $300,000 or less can you skip creating an ITIN number - as you can avoid FIRPTA withholding.</p> <h3>Can You Claim a Refund?</h3> <p>Twenty days after the closing date is the time frame during which the buyer needs to send what is due to the IRS, along with two filled-out forms with all essential information - the seller’s ITIN is one of them.</p> <p>The IRS then credits the seller’s account, and the seller has the right to a refund. He is eligible for a refund only if he:</p> <ol> <li>Declared the sale of the property on an income tax return;</li> <li>Included the copy of the forms the buyer sent to the IRS upon closing;</li> <li>Had no other major financial activities in the US market.</li> </ol> <h3>How Does FIRPTA Look at Foreigners Married to Natives?</h3> <p>If you are a foreigner wanting to sell a property in the US and are married to a US citizen - the law looks at you as two unrelated individuals. Your spouse will not be withheld, but your proceeds are going to be required by the IRS.</p> <h2>What Is Important When Buying/Selling Under FIRPTA?</h2> <p>It doesn’t matter if you are the buyer or the seller - the most important thing you can do when entering a sale under FIRPTA is to find a good escrow agent. That is when <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> comes onto the stage. You need more than just informed agents; what you need is an expert.</p> <p>We are a team of experienced professionals with excellent knowledge of real estate law, who work towards eliminating inconveniences in the selling process. For any and all escrow needs or questions -<a href="https://lightspeedescrow.com/contact-us"> contact us today</a>, and we’ll assist you as soon as possible.</p>
      • images{"1":"64065f04-dc06-486c-a9e3-412741b07d6f_individual-income-tax.jpg"}
      • short_descriptionKnowing about FIRPTA comes in handy when buying a property from a foreigner or when a non-US citizen wants to buy, sell, or invest in the US real estate market.
      • keywordsWhat Is FIRPTA?
      • intro_image84d416aa-87be-471c-bcc2-2a7285e64e52_individual-income-tax.jpg
      • intro_image_mobile3063c7a7-2582-4996-a529-5ac147b535e3_individual-income-tax.jpg
      • active(true)
      • deleted(false)
      • archived(false)
      • tagsWhat|Is|FIRPTA?
      • promo_url
      • alternative_url
      • themePublic
      • layoutdefault
      • viewview
      • styleeng
      • created2022-08-23 22:48:39
      • modified2022-12-07 04:02:30
      • lngeng
      • canonicalhttps://lightspeedescrow.com/blog-post/what-is-firpta
      • logo
      • index(true)
    • User(array)
      • id8
      • emaildata@play-media.org
      • namedata
      • password$2a$10$ZiuD3IQDq1rr2CVIagV7iOokenwhLixaVd22W/MeSmV7PYgZS/Nim
      • public_idfc9416c8-9b6b-43a1-9ed5-64a9d03c2579
      • active(true)
      • tokenhash(null)
      • avatar(null)
      • last_login2025-11-14 05:46:06
      • created2022-01-21 01:44:14
      • modified2025-11-14 05:46:06
    • Blog(array)
      • id10
      • titleReal-Estate-Deals
      • descriptionReal Estate Deals
      • 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)
  • 4(array)
    • BlogPost(array)
      • id17
      • slugclosing-disclosure
      • user_id8
      • blog_id10
      • autor_nameUnival Logistics
      • titleWhat Is a Closing Disclosure and What Does It Contain?
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https:/lightspeedescrow.com/blog-post/closing-disclosure" }, "headline": "What Is a Closing Disclosure and What Does It Contain?", "description": "Closing disclosure is an important document that captures all your financial obligations to your mortgage lender. Read more about disclosures in this article.", "image": "https://lightspeedescrow.com/files/blog/0b7aad86-d351-4c01-adb3-cd1d19a67482_midsection-of-hands-holding-document.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": "2022-08-23", "dateModified": "2022-08-23" } </script> <p>People often feel discouraged when talking to their lenders and do not understand a word. Some greedy lenders do it on purpose - confuse their clients so they can take as much money. However, with closing disclosures, there should be nothing left unclear and unresolved. Especially when you can compare it with your loan estimate.</p> <p>But let’s start from the beginning. In this article, we’ll cover the purpose of closing disclosures, what you can expect from each page, how long you have to analyze it, and more. You'll learn all about the final processes of mortgage purchase.</p> <h2>What is a Closing Disclosure And Why Is It Important?</h2> <p>A closing disclosure is an important legal document that summarizes everything related to your home loan. Depending on where you live and what type of lender you use, your closing disclosure may include information about your mortgage payment, fees, taxes, insurance, <a href="https://lightspeedescrow.com/blog-post/how-to-open-escrow-account">escrow account</a>, and more.</p> <p>A closing disclosure gives borrowers three days to review the documents before signing off on the loan agreement. This allows borrowers to ask questions about the terms of the deal and ensure everything is accurate.</p> <p>Closing disclosures differ from credit reports because they don't report negative items like late payments or bankruptcies. Instead, they provide a list of corrections lenders might want to make to ensure the borrower understands what he or she is getting into.</p> <p>The Federal Trade Commission recommends that lenders provide a one-page summary of the key points of the loan agreement, including the APR, total amount financed, monthly payment, term length, interest rate, fees and costs, and whether there are pre-payment penalties.</p> <h2>Closing Disclosure Usually Has 5 Pages</h2> <p>Your closing disclosures include all the important information you need to know before closing on your home purchase. Everything you need to know about closing costs, property taxes, and mortgage rates is written in five pages.</p> <p>Lenders sometimes charge extra for certain types of loans. If you take out a 30-year fixed-rate mortgage, you could end up paying a premium for the longer duration. Similarly, if you finance part of your down payment with a gift, you'll likely be charged a fee to cover the tax implications.</p> <p>The good news is that most lenders offer some sort of discount for paying off closing costs early. But there are exceptions. For example, if you're buying a house in California, you won't qualify for a cash-back incentive if you close within 60 days of signing the contract. And while you can receive discounts for prepaying your principal, you must wait three months.</p> <p>In addition to standard closing costs, you'll also face additional charges if you choose to buy a home with no money down. These costs include points, origination fees, credit reports, and appraisals. You may also have to pay a seller contribution, which is a percentage of the sales price that goes toward helping fund local schools.</p> <h3>First Page</h3> <p>The first page of the closing disclosure presents you with general information about the loan and the key part-takers. There you have the information about the buyer, seller, and lender, the purpose of the loan, loan type, terms, and projected payments.</p> <p>The <em>loan terms section</em> shows you how much you have borrowed, how much is the monthly principal, and how much are going to be your monthly payments with an added rate. There, you’ll learn more about balloon payments and prepayment penalties.</p> <p>The smart thing to do it to have your loan estimate next to you and compare these two documents. A loan estimate is a loan prediction you get when you get preapproved. Estimate and closing disclosure do not have to be exactly the same, but you should have insights about potential changes, as well as the reasons behind them.</p> <h3>Second Page</h3> <p>Closing disclosure has a section on its second page that presents you with particular costs that go along with mortgage and property purchase - origination charges, projected taxes, title service, home inspection fees, commissions for real estate agents, and so on.</p> <p>Be patient when combing through errors in this part of the disclosure, as there will be many different numbers that might seem small, but can stack up over time.</p> <h3>Third Page</h3> <p>The third page of the home page is where you'll find some of the most important information about closing costs. There are many items that buyers want to know about as they approach closing.</p> <p>The third page will contain the summary of all closing transactions - how much you are due to the seller, how much is paid by the lender on your behalf, and the seller’s closing costs and taxes. It will be disclosed how much money the seller makes from the transaction.</p> <h3>Fourth Page</h3> <p>On the fourth page, you will find your <a href="https://lightspeedescrow.com/blog-post/escrow-fees">projected escrow fees</a> - annual property taxes, insurance premiums, and other costs that fall under escrow payments. Additionally, the fourth page is the one that answers hypothetical questions about your loan and your property. For example, there you will find answers to questions such as:</p> <ul> <li>What if I want to transfer a property title to another person?</li> <li>Can my lender ask for balloon payments?</li> <li>What if I don’t pay my monthly mortgage payment in time?</li> <li>What if I want to sell my property?</li> </ul> <p>All these things you need to know beforehand, so you don’t end up in an unfavorable situation that can cost you and the lender a lot of recourses.</p> <h3>Fifth Page</h3> <p>There you’ll find contact information of the parties involved, as well as additional loan calculations. Here, you can find a detailed explanation of foreclosure - in the event of several missed payments, your lender has the right to start a foreclosure process. You will find out after how many months the process will start.</p> <h2>Closing Disclosure Three-Day Rule</h2> <p>The lender needs to provide you with a copy of the closing disclosure statement at least three business days before the scheduled closing date. You'll receive it via email, fax, mail, or hand delivery.</p> <p>If you don't receive the closing disclosure statement within three business days, contact your loan servicer immediately. You're entitled to a written explanation of why you haven't received the document. Your loan servicer will send you a written response explaining what happened.</p> <p>Then, you have 10 calendar days to request a hearing. If you find errors or omissions in the closing disclosure statement, notify your loan servicer. They'll work to correct the problem.</p> <h2>Your Loan Cannot Be Denied After You Get a Closing Disclosure</h2> <p><strong>Only in case you’ve drastically changed your life in a span of a few days</strong> - lost a job, lost a lot of money, or it is proven that you have tampered with information you’ve provided - <strong>can the lender deny your loan so late in the process</strong>. In that case, the seller has the right to keep your <a href="https://lightspeedescrow.com/blog-post/earnest-money">earnest money</a>, and you even might have to pay some penalties.</p> <h2>Sellers at Closing</h2> <p>Sellers receive a closing disclosure at the same time as the buyer and have the same three-day period to respond with any complaints. At closing, sellers pay closing costs and other real estate fees.</p> <p>Oftentimes, it is the escrow holder that slows down the closing process. Precisely why a group of real estate experts and professionals founded <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> - a company for all your escrow needs.</p> <p>We are trustworthy, efficient, and we understand how important it is for each party that the process runs smoothly. <a href="https://lightspeedescrow.com/contact-us">Contact us today</a> for more information about escrows.</p>
      • images{"1":"2aa2d792-9000-4342-813e-04f43082a269_midsection-of-hands-holding-document.jpg"}
      • short_descriptionClosing disclosure is an important document that captures all your financial obligations to your mortgage lender. Read more about disclosures in this article.
      • keywordsWhat Is Closing Disclosure?
      • intro_image0b7aad86-d351-4c01-adb3-cd1d19a67482_midsection-of-hands-holding-document.jpg
      • intro_image_mobile80fcad63-932e-408a-8bb7-2f105c2c45c7_midsection-of-hands-holding-document.jpg
      • active(true)
      • deleted(false)
      • archived(false)
      • tagsWhat|Is|Closing|Disclosure?
      • promo_url
      • alternative_url
      • themePublic
      • layoutdefault
      • viewview
      • styleeng
      • created2022-08-23 00:57:51
      • modified2022-12-07 03:57:31
      • lngeng
      • canonicalhttps://lightspeedescrow.com/blog-post/closing-disclosure
      • logo
      • index(true)
    • User(array)
      • id8
      • emaildata@play-media.org
      • namedata
      • password$2a$10$ZiuD3IQDq1rr2CVIagV7iOokenwhLixaVd22W/MeSmV7PYgZS/Nim
      • public_idfc9416c8-9b6b-43a1-9ed5-64a9d03c2579
      • active(true)
      • tokenhash(null)
      • avatar(null)
      • last_login2025-11-14 05:46:06
      • created2022-01-21 01:44:14
      • modified2025-11-14 05:46:06
    • Blog(array)
      • id10
      • titleReal-Estate-Deals
      • descriptionReal Estate Deals
      • 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:7
• body_idBlogPosts-category-Real-Estate-Deals-page:7
• 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