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      • id15
      • slugguide-through-an-escrow-analysis
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      • autor_nameLightspeed Escrow
      • titleComprehensive Guide Through an Escrow Analysis Statement
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/guide-through-an-escrow-analysis" }, "headline": "Comprehensive Guide Through an Escrow Analysis Statement", "description": "An escrow account is a valuable tool for managing finances, and an escrow analysis reviews those finances. Read more about it and an escrow statement in this article.", "image": "https://lightspeedescrow.com/files/blog/01340818-81b4-4ef8-859d-0cb675333788_property-icons-on-wooden-cubes.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/img/logo.png" } }, "datePublished": "2022-08-08", "dateModified": "2022-08-08" } </script> <p>Any homeowner would tell you that an escrow account can help you manage your finances more proficiently. You don’t have to think about lump sums for taxes and insurance premiums, and their dues. Each month you pay one installment of a large annual or semi-annual payment, and you are done. An escrow analysis is an essential part of managing those finances.</p> <p>An escrow analysis is essentially a periodical review of your escrow account. That way, your escrow holder knows if there will be enough money in your bank account for the next payment. The escrow analysis statement provides information about the ending balance of your escrow account. It lists the total amount remaining after covering your current obligations.</p> <p>In this article, we’ll go from the beginning and explain the purpose of escrow accounts and guide you through your average escrow statement, so you know what awaits you on the other side of homeownership.</p> <h2>The Purpose of an Escrow Account</h2> <p>You might think, ‘’Why can’t I pay these costs on my own?’’. Well, your lender might have requested this third-party account because it is the safest way to ensure that annual payments are paid in full and on time. This is their way of making sure you will not spend the money for <a href="https://lightspeedescrow.com/blog-post/when-are-property-taxes-due-in-california">property taxes</a> on something else that might be more urgent at the moment.</p> <p>The lender owns a legal title to your property and is responsible for every lien on it until the loan is paid off. That is why your homeowner costs and their unfulfillment present a liability to a lender. Additionally, escrow accounts help you manage your home budget and protect you from lump sums during the holidays when you probably have other expenses.</p> <p>So, when you pay your monthly mortgage payment, together with a mortgage premium installment and an added rate, you will be paying a certain escrow amount. That amount varies from homeowner to homeowner and depends on the state or county, the size of the house, and even the neighborhood.</p> <p>If you use an escrow account, you will receive an escrow disclosure statement every year. This document is actually a byproduct of an escrow analysis.</p> <h2>What is an Escrow Analysis?</h2> <p>An escrow account is a type of savings account that holds your money, and you cannot make withdrawals from that account. It protects you from unexpected costs. Any amount of money you put on that account you cannot simply take back.</p> <p>However, an escrow analysis serves as a tool to check how much money is there and how much money is supposed to be there. If the two don’t coincide, there will need to be a rebalancing of your account.</p> <p>The beginning balance is the amount you need in your escrow account in order to ensure there are enough funds to pay your real estate tax and insurance premiums for the upcoming year. A projection summary shows the amount you should expect to spend each month throughout the next twelve months.</p> <h2>Escrow Analysis: Rebalance</h2> <p>Rebalance can show two things. Either you have too much money in your bank account or too little. An escrow analysis is usually done in the first few months of the year after all expenses for the past year have been paid. If during that time you have a residual, your escrow holder will send you a check – a refund check.</p> <p>If the escrow analysis shows that you owe money, it means that your property tax and homeowner's insurance might be higher than before. You will have two options presented:</p> <ul> <li>Your future escrow payments adjust to the new expenses, and you pay a lump sum owed from the previous year.</li> <li>Your future escrow payments adjust to the new expenses plus the sum you owe for the previous year.</li> </ul> <h3>Escrow Refunds</h3> <p>For a homeowner, an <a href="https://lightspeedescrow.com/blog-post/escrow-refund">escrow refund</a> is something like a breeze of fresh air. Most envelopes that come their way are either bills or statements. However, sometimes, an escrow analysis shows that you have an unneeded surplus and your mortgage servicer sends you your money back.</p> <p>This check will always be more than $50 because that is the maximum amount of excess money that can be considered a surplus. Homeowners who paid off their mortgage before the last disbursement can expect their full yearly insurance premium and tax installments to arrive in the mail.</p> <h3>Escrow Shortages</h3> <p>Most homeowners don’t know what an escrow shortage is until it happens to them. But it’s one of those things that seems like it shouldn’t exist — and yet it does. And it’s happening to many people across the nation.</p> <p>The average homeowner spends $1,500 per year on escrow fees. Some spend even more. A recent study found that the median amount spent annually on <a href="https://lightspeedescrow.com/blog-post/escrow-fees">escrow fees</a> was $3,800. For borrowers who bought homes during the housing bubble, the average escrow fee hit $6,400.</p> <p>Why do escrows run dry? Sometimes it’s because the homeowner hasn’t paid enough taxes or insurance premiums. Other times, it is because the property has undergone some major construction that adds to the value.</p> <p>But it isn’t always easy to determine whether you have an escrow shortage. The truth is that most escrow problems aren’t obvious. They’re hidden inside paperwork that you never see. And that’s where we come in. We’ve put together this guide to help you figure out whether you have an issue with your escrow. Once you know, you can take action to fix it.</p> <h2>How to read your escrow analysis statement</h2> <p>After your escrow holder has ended the escrow analysis, they will create a statement - a visual review of all yearly transactions to and from your escrow account. You’ll then receive the statement, and if there is a need for a rebalance, you’ll receive it along with the refund check or a request to pay what you owe.</p> <p>It is essential to know how to read your escrow account statement. There will be a lot of numbers, but don’t let them confuse you. There will be a column that presents all your monthly escrow payments. Parallel with that column will be another one that presents you with each disbursement. Those are not done monthly, but annually or semi-annually.</p> <p>The third column is called projected escrow balance, and there it shows the next 12 months in escrow payments. Those projections always include a few hundred dollars more than what you’re actually due, in case of some unexpected raised costs.</p> <p>There will be an account history where you can compare last year’s projected payments with the actual costs of the account. This will help you understand next year's installments much better. If there is a surplus or a shortage, it will be explained in more detail in a separate section.</p> <h2>Working with an Experienced Escrow Company Can Help</h2> <p>When you are working with a professional that cares about you, there can’t be unanswered questions. There are a lot of escrow companies that keep their clients in the dark, but <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> isn’t one of them.</p> <p>Moreover, we are a team of real estate professionals who know that escrows can sometimes be confusing. We are more than open to answer any and all questions that you may have about escrows, escrow analysis, and more.</p> <p>We are reliable and fast in all real estate transactions. <a href="https://lightspeedescrow.com/contact-us">Contact us</a> for all your escrow needs.</p>
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      • id14
      • sluggrant-deed
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      • autor_nameLightspeed Escrow
      • titleWhat Is a Grant Deed and How Does It Work?
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/grant-deed" }, "headline": "What Is a Grant Deed and How Does It Work?", "description": "A grant deed offers unique benefits and protections to real property buyers. Learn more about this type of deed to decide whether it’s the right option for you.", "image": "https://lightspeedescrow.com/files/blog/77bcb7b8-4780-4209-a64c-b10fdb96d4c1_the-home-broker-recommends-the-client-to-sign-the-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/img/logo.png" } }, "datePublished": "2022-08-02", "dateModified": "2022-08-02" } </script> <p>If you’re about to engage in a real estate transaction, you need to gain a basic knowledge of deeds. And if you’re transferring or acquiring title to real property, you need to understand the different types of deeds and how you can benefit from them. This includes a <strong>grant deed</strong>, which is commonly used when the property is being obtained through a tax or foreclosure sale.</p> <p>Grant deeds, also known as “California grant deeds” because they are typically used in this state, are legal documents that offer unique protections to buyers. It’s an insurance policy the property seller provides to the buyer to ensure the buyer has no ethical or financial liability for future challenges to the property’s ownership.</p> <h2>What Is a Deed?</h2> <p><strong>A deed refers to a legal document that transfers title to real property from one party to the other</strong>. The party can be a person, a business entity, an estate, or a trust. The party transferring title is called the transferor or the grantor, and the party receiving title is called the transferee or the grantee.</p> <p>There are two primary types of deeds:</p> <ul> <li><strong>Quitclaim deeds:</strong> With quitclaim deeds, the grantee has no guarantee that the grantor has an interest in the property. If the grantor doesn’t have title to the property or there are issues with the title, the grantee has no legal recourse against the transferor.</li> <li><strong>Warranty deeds:</strong> With this type of deeds, including a grant deed, the grantor provides the grantee with one or more legally enforceable warranties or assurances regarding the title to the property.</li> </ul> <p>Warranty deeds may include exceptions for specific limitations on the property, such as a mortgage, property taxes owed, easements, and subdivision deed restrictions. That means that if any such exceptions are stated in the deed, they won’t be subject to warranties.</p> <p>Note that there are two types of warranty deeds:</p> <ol> <li><strong>General warranty deeds:</strong> General warranty deeds guarantee that there are no undisclosed title issues with the property. This also relates to the time before the grantor obtained the property. Moreover, it required the transferor to pay any legal expenses that may be incurred if a title issue emerges. Essentially, the grantor promises that there are no undisclosed title problems and that they will pay to defend the title in court. That said, a general warranty deed offers the transferee all the protection they can get.</li> <li><strong>Grant deeds: </strong>This type of deed is also known as a limited warranty deed or a special warranty deed, and it gives the grantee some, but not all, of the assurances of a general warranty deed. The typical grant deed makes two warranties. The first warranty is that the transferor hasn’t transferred the property to anyone else, and the second one is that there are no title issues that emerged during the time the grantor has held the title. However, a grant deed doesn’t give warranties as to any claims that may have occurred before the transferor obtained title and doesn’t promise to pay legal costs of defending any title claims.</li> </ol> <h2>What Are the Uses of Deeds?</h2> <p>The type of deed used depends on the nature of the property transfer and the relationship between the grantor and grantee.</p> <p>Quitclaim deeds make no guarantee to the buyer that there are no liens on the property. That means when a buyer receives this type of deed on a property, he takes a significant risk compared to other types of deeds. That said, quitclaim deeds are typically used in transfers between family members, into or out of the transferor's trust or business, or to correct a mistake in a warranty deed.</p> <p>General warranty deeds are considered the best property deeds because this type of deed provides the most protection. That’s why these deeds are often used when the grantor and grantee don’t know each other and money is changing hands. Note that a general warranty deed is almost always necessary when the buyer is getting a mortgage to finance the purchase.</p> <p><strong>Grant deeds are typically used when the grantee is obtaining title in a tax or foreclosure sale</strong>. It can be viewed as a middle ground, providing the grantee a level of protection somewhere between a general warranty deed and a quitclaim deed.</p> <h2>How Does a Grant Deed Work?</h2> <p>The purpose of a deed is to offer <strong>legal protection to buyers of real property</strong>. Grant deeds are often used when a grantee is obtaining real property in a foreclosure or tax sale. That said, they may also be held in escrow during a real estate transaction.</p> <p>With grant deeds, grantees benefit from buying property below market value, and grantors risk less by making fewer guarantees. That’s why, for buyers, they are considered more favorable than quitclaim deeds but less advantageous than general warranty deeds.</p> <p>A grant deed includes:</p> <ul> <li>Names of grantor and grantee</li> <li>Date of sale</li> <li>Property description</li> <li>Signature of grantor</li> <li>Notary public acknowledgment</li> <li>Warranty statements</li> </ul> <h2>Does a Grant Deed Need to Be Notarized?</h2> <p>A grant deed is a legal document that governs what protection a buyer gets when a seller transfers ownership of the real estate, and it <strong>only needs to be notarized following state law</strong>. So, check your state legislature’s website or talk to a real estate lawyer in your area to discover whether a grant deed needs to be notarized in your state or not.</p> <p>Getting a grant deed notarized is a vital step to making this document legally binding because a notary public must be physically present while both parties sign the grant deed to display their seal that certifies that the signatures are legitimate. You can think of a notary as a witness with legal permission to bear witness to legal binging concerns.</p> <h2>How to Obtain a Grant Deed</h2> <p>Getting a grant deed isn’t as complicated as many might think. The first step is to <strong>find a property you want to buy</strong>. You can do this by checking your local newspaper’s classified ads, searching the web, or asking your friends, family, and acquaintances.</p> <p>Foreclosure or tax sales are some of the most common exchanges that involve grant deeds. These types of sales are favorable because you have the opportunity to save money on the purchase agreement as such sales often occur at auctions. So, it may be a good idea to check your classified ads search or reach out to your local government agency to find a property auction near you. Real estate agents may also help.</p> <p><strong>You can only request a grant deed in the negotiations phase of a sale</strong>. Note that while grant deeds provide some level of protection, they may not always be the best alternative for the transfer of ownership of the real estate. General warranty deeds protect the buyer more and are the best option if you’re looking to buy a property.</p> <p>However, in some cases, a general warranty deed isn’t on the table nor is needed. And if you want additional protection when getting a grant deed, consider performing a deed search to get more insight into the property you’re interested in before closing the deal.</p> <h2>Protect Yourself During a Real Estate Transaction</h2> <p>After reading this article, you have a good idea of what a grant deed is and what protections it offers to buyers.</p> <p>With the grant deed, you have a guarantee that the grantor hasn’t transferred the property to someone else and that there are no title problems that emerged during the time the grantor has held the title. However, unlike general warranty deeds, grant deeds don’t give warranties as to any claims that may have happened before the grantor acquired the title and doesn’t promise to pay legal expenses of defending title claims.</p> <p>If you’re looking to buy real property and need the help of a professional, Lightspeed Escrow can help you get a grant deed and facilitate it. Contact us for any additional information you might need, and we’ll be glad to help.</p>
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      • id13
      • slugwhat-does-contingent-mean-in-real-estate
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      • autor_nameLightspeed Escrow
      • titlePurchasing Contract: What Does Contingent Mean in Real Estate?
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/what-does-contingent-mean-in-real-estate" }, "headline": "Purchasing Contract: What Does Contingent Mean in Real Estate?", "description": "What does contingent mean in real estate? Pending Vs. Contingent? There are many complicated terms when it comes to real estate, and we are here to help you figure it out.", "image": "https://lightspeedescrow.com/files/blog/3d2bb4f6-9576-4285-a537-bec302cdd55e_manager-handshake-with-asian-couple.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": "2022-08-01", "dateModified": "2022-08-01" } </script> <p>A contingent property means that there are some conditions attached to the sale. This could mean anything from meeting specific requirements to passing a background check. If you buy a home without knowing exactly what you're getting yourself into, you could end up losing money.</p> <p>Contingency clauses are common in real estate deals. They protect both sides of the transaction. The buyer doesn't want to find out later that the seller didn't actually take care of something important. On the other side, the seller doesn’t want to get stuck in the sales process for too long, and lose value of their property.</p> <h2>Common Real Estate Statuses</h2> <p>When a seller puts the house on the market, that house can go through several statuses before actually getting sold. Listed houses go through stages of the selling process, but the one that’s the most interesting for the buyer is an active listing.</p> <p>Active listings are opened for offers, which means that the seller did not accept any offers and that it is open for showings. You can get all information about this property as a buyer and make an educative offer.</p> <p>Between active and sold, there are many different combinations of statuses. However, what many people wonder about it is what does contingent mean in real estate and how it differs from a pending listing.</p> <h3>Pending Listing</h3> <p>A property listed as pending has passed all clauses of the sales agreement and is approaching closing. However, there is still a chance that the sale will fall through.</p> <p>Take-backs are common during real estate transactions. If you find yourself in this position, it might mean that the buyer or the seller wants to renegotiate some terms before the transaction closes. That’s why the house is not sold until everything is settled and the title is transferred to the buyer.</p> <p>The term “backup offer” refers to an offer that is contingent upon another offer falling through. For example, let’s say that you want to sell your home for $300,000. You receive an offer of $320,000. However, the buyer backs out of the deal because he/she doesn’t like the neighborhood. So, you make a backup offer of $310,000.</p> <p>If the original offer fails to close, you still get what you wanted—the home sold for $310,000. Backups give sellers a way to negotiate down the asking price without losing the property entirely.</p> <p><strong>The main difference between pending and contingent is the fact that a pending listing is much closer to closing than a contingent.</strong> Let’s expand on that in the next chapter.</p> <h3>Contingent Listing</h3> <p>When a seller accepts the offer, they and the buyer sign a purchase contract or sales agreement. This document can allow both of them some wiggle room to negotiate other terms and back out of the sale if something undisclosed arises.</p> <p>The wiggle room is created by the contingencies that buyers and sellers put in the contract. Those clauses create conditions that each party must meet in order to proceed with the sale. Property is in the contingent status in the timeframe during which the signatories meet the contingencies.</p> <p>When a sale is on hold due to contingencies, you should consider listing your property as a contingent selling listing. This lets potential buyers know that you’re open to offers but with conditions.</p> <p>If you want to sell your home fast, you should remove contingencies before putting your house back on the market. Once you do this, you’ll likely receive multiple offers and close faster than if you hadn’t removed the contingencies.</p> <h2>What Does Contingent Mean In Real Estate?</h2> <p>A contingency clause is a term used in real estate transactions where both parties agree to certain terms and conditions before signing a contract. These clauses are often included in contracts because it helps protect both sides from unforeseen circumstances.</p> <p>There are many different types of contingencies that can be negotiated in real estate deals. Which item will be included in the contract is up to the sellers and buyers who are signing it.</p> <p>However, if you are a buyer borrowing money for a property, most likely that a mortgage contingency will be included in the contract. Similarly, lenders will probably require a title or inspection contingency just so that there are no unresolved issues and liabilities on their investment.</p> <h3>Home Inspection Clause</h3> <p>The home inspection contingency is an important clause in the sales contract because it <strong>allows the buyer to stop the sales process in case any major repairs arise</strong>. This contingency clause is one way to protect yourself during negotiations.</p> <p>If you are purchasing a home that needs work, it is important to ask about the seller’s inspection policy. This is especially true if there are problems with the property, such as termites, mold, water damage, etc.</p> <p>Buyers often waive inspection contingencies in competitive markets. In fact, most sellers will conduct an inspection before listing their properties. However, buyers don’t trust blindly the pre-inspection results as they could be tampered with by the seller.</p> <p>Here are some things to consider when a buyer insists on inspection contingency:</p> <ul> <li>How long will the inspection take?</li> <li>What happens if the buyer finds something wrong with the house?</li> <li>Will the seller pay for repairs?</li> </ul> <h3>Mortgage or Financing Contingency Clause</h3> <p>A mortgage contingency clause or a financing contingency allows the buyer to back out of the sale in case of not getting approved for a loan without losing their earnest money. <a href="https://lightspeedescrow.com/blog-post/earnest-money">Earnest money</a> is in an escrow account and is usually 10% to 20% of the purchasing price.</p> <p>Buyers usually get prequalified and/or preapproved for a loan. Prequalifying is not the same thing as preapproving. Preapproval means more to the buyer because, unlike prequalifying, it doesn’t just give them the ballpark estimate - it provides the concrete answer on how much can they borrow and under what terms.</p> <p>Still, neither preapproval nor prequalification guarantees that the buyer will get the loan. The financial situation of the buyer can change in the meantime, or the market can shift. For example, if the mortgage rate increases significantly in the meantime - a buyer will not be able to afford the same loan.</p> <p>Mortgage contingency gives them a way out of the sale, without losing earnest money. So they can search for the house in their new, adjusted budget.</p> <h3>Appraisal Contingency</h3> <p><strong>A home appraisal contingency allows the buyer to know what the true market value of the property</strong> is before signing the contract. This clause protects both parties from getting stuck with a high or low valuation during negotiations.</p> <p>The seller and buyer agree on a price based on the home’s current market value. If the home appraises for less than the agreed-upon amount, the lender will require a re-negotiation of the loan amount</p> <h3>Title Contingency Clause</h3> <p>A title contingency helps to protect buyers against any possible future claims. There could be issues with mortgage loans, liens, encumbrances, etc. These things need to be cleared up prior to closing. This protection gives you peace of mind knowing that if anything does come up, it won't affect the sale.</p> <p>Additionally, you can protect yourself by signing a warranty deed that obligates the seller to take responsibility for any potential issues regarding the property's title.</p> <h2>Can You Make an Offer on a Property in Contingency Status?</h2> <p>During your search through listings, you might find that many of them carry labels that are even more complicated than just “contingent” or “pending”. That is because there are a few contingents subcategories, depending on how open the seller is to new offers.</p> <p>The most common statuses are Contingent: Continues to Show and Contingent: No Show. <strong>The first one signifies that the seller is open to backup offers</strong> - maybe they suspect the buyer will not get approved, or other contingencies might take too long. <strong>If the contingent listing is a no-show - the seller is confident that the sales process has a clear path to the closing</strong>.</p> <p>You have the right to make an offer on any property you want, but you should consult with your agent before doing so. It is best not to spend your resources and time on making an offer that will never bring you a house.</p> <h2>How Long Can a Property Be Contingent?</h2> <p>A mortgage contingency period typically lasts anywhere from 30 to 60 days. During this time, you agree with your lender to the terms of the loan, including interest rates and payment amounts. This gives you time to secure financing and make sure everything goes smoothly once you close on the purchase.</p> <p>Inspections are another part of buying a house; however, it depends on what type of inspection you want. A pre-listing inspection is done prior to listing the property for sale. An open house inspection happens during the open house event itself. And a final walk-through inspection takes place after closing.</p> <p>Some sellers limit the period for meeting the finance contingency, and some buyers limit the period during which repairs must be completed. Each sales contract allows for parties to put their own clauses and conditions. <strong>However, properties are, on average, listed as contingent for 60 days</strong>.</p> <h2>What Happens to the Earnest Money?</h2> <p>Earnest money is the amount of money the buyer transfers to open an <a href="https://lightspeedescrow.com/blog-post/how-to-open-escrow-account">escrow account</a> when the sales contract is signed. The escrow holder is responsible for more than just holding the money until the closing. Rather, they are following closely the resolution of contingencies, dealing with repairs, and title issues - and ensuring that everything goes according to the sales agreement.</p> <p>You need a reliable escrow holder! We can help you with that. We are real estate experts who know how big of an inconvenience can an unreliable escrow holder be - so we decided to fix this. Contact <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> for the best escrow service in California.</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/escrow-disbursement" }, "headline": "What Is Escrow Disbursement: Definition, Advantages, and Disadvantages", "description": "Having an escrow account means that you don’t have to make a large sum at the end of the year. An escrow officer does that for you with an escrow disbursement.", "image": "https://lightspeedescrow.com/files/blog/7d0b0874-9a7f-49fd-8b3a-f52f8cd4ed39_toy-house-and-money-on-the-graph.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/img/logo.png" } }, "datePublished": "2022-06-30", "dateModified": "2022-06-30" } </script> <p>An average homeowner has many expenses. From mortgage payments to living costs - it is sometimes hard to keep track of all things there are to be paid during the year. So it's no wonder you might panic when you get to an escrow disbursement. If you don't know what that is, you might think to yourself ''What now?''</p> <p>Even before becoming a homeowner, it is best to get familiar with some processes and reasons behind them, so as not to get taken by surprise along the way. Escrow can be a confusing term because there are two types of escrows in real estate, but once you understand the difference between them it will be easier to grasp the concept of escrow disbursement.</p> <h2>What is Escrow in Real Estate</h2> <p>The real estate industry uses tools and regulations to protect the people who enter the market, as well as those who provide the services. An escrow is just that - a bank account run by an impartial third party that holds the borrower's or buyer's money.</p> <p>An escrow can be the intermediary that holds <a href="https://lightspeedescrow.com/blog-post/earnest-money">earnest money</a> during the home sale, or a bank account that collects homeowner fees during the year, so you don't have to pay an annual lump sum. Both of them have a distinct role in real estate transactions.</p> <p>An escrow transaction during the sale helps to protect both sellers and buyers from breaking the sales contract. This escrow account closes at closing, after which you open a more long-term account for escrow funds. Most lenders will require you to open an escrow account.</p> <p>Escrow accounts that exist during the life of the loan are there to ensure you are paying your dues. In addition to paying monthly mortgage payments, plus interest - a sum of money will be transferred to your escrow account, to cover insurance and <a href="https://lightspeedescrow.com/blog-post/when-are-property-taxes-due-in-california">property taxes</a>.</p> <h3>PITI Payment</h3> <p>Real estate agents use abbreviations to explain common real estate transactions and processes. Therefore, they often use the acronym PITI payment to explain the whole sum of a monthly mortgage payment - Principal + Interest +Tax + Insurance.</p> <p><em>Principal</em> refers to the part of the loan you are actually paying off that month. <em>Interest </em>is pretty self-explanatory - depending on a mortgage rate you’ve unlocked, you are paying interest on a principal. This money goes directly to the bank account of your lender.</p> <p>The other part of most monthly payments is transferred to an escrow account. Funds in escrow are collected throughout the whole year and you cannot spend them. Rather, an <a href="https://lightspeedescrow.com/blog-post/the-role-of-an-escrow-officer-in-real-estate">escrow officer</a> collects your money and makes annual payments of such costs in your name.</p> <p>Both <em>property taxes</em> and <em>homeowner insurance</em> installments are usually due in December, so an escrow account spares you from making a sum payment during the holiday season.</p> <h2>Escrow Disbursement</h2> <p>Escrow disbursement is actually the act of dispensing the escrow money, in this case on property taxes and insurance policies. Each escrow officer has a contract that obliges them with the responsibility of making a money transfer at a certain time of the year.</p> <p>When a buyer makes regular monthly payments to an escrow fund, it is entirely the escrow officer’s legal responsibility to make payments on time, otherwise, they can be facing a lawsuit.</p> <p>An escrow disbursement can refer to the buyer-to-seller transaction upon purchasing a house. When all the conditions from the sales contract are met, and both parties are ready to sign closing papers - that’s when an escrow disbursement of earnest money occurs.</p> <p>An escrow agent will then release the buyer’s money from the escrow account into the seller’s private bank account. Earnest money deposits are almost always regulated using the escrow account for added protection.</p> <p>Escrow disbursement for tax and insurance payments is something that a homeowner gets notified about so they can keep track of their obligations. However, they don’t need to set aside money and make a thousand-dollar payment during the busiest time of the year.</p> <h2>Escrow Disbursement Refund</h2> <p>If you are lucky, you might get an escrow disbursement refund check in the mail upon the next escrow account analysis. The most common way to get a refund is to pay off your loan entirely and sometimes even when you’re refinancing - if the tax or the insurance is lowered. It doesn’t have to be a huge check, but it certainly puts a smile on your face and unplanned money in your pocket.</p> <p>Depending on the location, property description, and how much you’ve paid upon closing, you could be seeing up to a few thousand dollars on the refund check. This could happen to you a couple of weeks after an escrow account analysis, or 20 days from when you paid off your mortgage.</p> <p>When you’re refinancing your mortgage you could be having an escrow disbursement refund only when you’re changing lenders who are working with different escrow servicers.</p> <p>Moreover, if any kind of change happened just after an escrow disbursement came through, you might not be getting a large refund, as the money has already been used to pay expenses. The money you get from an <a href="https://lightspeedescrow.com/blog-post/escrow-refund">escrow refund</a> is yours and you can spend it however you want.</p> <h2>Who Manages Escrow Accounts?</h2> <p>Escrows upon purchases are usually run by a title company, but homeowners’ escrows are dealt with by a lender and a mortgage servicer. A mortgage servicer is getting your payments and passing them onto tax authorities, investors, and insurers.</p> <p>Most people work with their lenders’ mortgage servicing companies, but you can always choose your own escrow holder. You want them to be responsible and reliable. It’s not only about collecting and holding the money, it’s about precise estimations of expenses, as well as fair refunds if they’re due.</p> <p>The biggest downside of an escrow is that it creates higher monthly expenses for the homeowner, but it assures the funds for annual financial obligations. Many people would save up, but put their hand in that jar as soon as things start to heat up. The escrow holder is making it impossible to stip yourself out of that money.</p> <h2>How to Find a Reliable Escrow Servicer?</h2> <p>Finding a reliable escrow servicer is easy with <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a>. If you are in search of a specialized escrow holder and you live in Southern California, contact us and our first available officer will contact you immediately. We are dealing with both real estate and homeowner escrow disbursement, so you can rely on us from the beginning.</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/is-california-a-community-property-state" }, "headline": "Is California a Community Property State?", "description": "Community property states are states where community property law rules. Is California a community property state, and how does this law work? Discover here.", "image": "https://lightspeedescrow.com/files/blog/3189c4f8-fa8a-45f2-a9fe-d6b3fe650de8_street-with-palm-trees-in-california.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": "2022-09-20", "dateModified": "2022-09-20" } </script> <p>Community property, also known as marital property, spousal assets, and marital assets, is vital when it comes to divorce, estate law, and taxes. It encompasses all assets you obtained during the marriage.</p> <p>Community property states are states where community property law rules. Here, couples must split equally all assets acquired during their marriage, including real estate.</p> <p>So, <strong>is California a community property state</strong>? Find out in this article.</p> <h2>What Is a Community Property State?</h2> <p>Divorce is one of the modern world’s most draining experiences. However, in the US, nine states have tried to facilitate this process by passing community property laws. In community property states, <strong>couples must divide equally all assets obtained during their marriage</strong>. The goal is to reduce the quarrels over who gets how much of what by having the law dictate the split.</p> <p>The nine states are:</p> <ul> <li>Arizona</li> <li>California</li> <li>Idaho</li> <li>Louisiana</li> <li>Nevada</li> <li>New Mexico</li> <li>Texas</li> <li>Washington</li> <li>Wisconsin</li> </ul> <p>While, in some states, divorce laws are leaning toward the community property concept, the nine states mentioned above are the only true community property states as of June 2021. Alaska, South Dakota, and Tennessee have an “opt-in” community property law that enables such a division of property if both individuals agree.</p> <h2>What Is Community Property?</h2> <p>Also known as marital property, community property is <strong>a US state-level distinction that identifies a married individual’s assets</strong>. And real or personal property and any income obtained by either spouse during a marriage are considered community property. Therefore, they belong to both partners, meaning both spouses own and owe everything equally, regardless of who earns or spends the income.</p> <h2>Understanding Community Property</h2> <p>In community property jurisdictions, each spouse owns a share of the marital assets, including real estate and other financial assets acquired during the marriage. In some jurisdictions, such as California, community property is split strictly in half, with each spouse getting 50% of any assets considered marital property.</p> <p>However, in other jurisdictions, such as Texas, a judge may decide to split assets in any denomination they deem fair to both spouses.</p> <p>Typically, inherited assets and gifts to one spouse aren’t considered marital property, whereas debts acquired during the marriage are usually considered community property.</p> <p>Existing to protect spousal rights, the concept of community property originated in Spanish law, a system of civil law derived from Roman civil law and the <u><a href="https://www.britannica.com/topic/Visigoth">Visigothic Code</a></u>. It acknowledges that both spouses contribute to marriage differently and considers them financially equal under the law.</p> <p>For instance, community property considers the contribution of a “breadwinning” spouse and a homemaking spouse as equals by <strong>granting both spouses a share of marital property</strong>. This is true even if the homemaking spouse may not have brought financial or other assets into the marriage.</p> <h2>So, Is California a Community Property State?</h2> <p><strong>California is a community property state</strong>. And according to the California Family Code section 760, community property is defined as all property, personal or real, wherever situated, obtained by a married individual during the marriage while domiciled in the state. Once officially divorced, community property is typically divided 50/50 between the ex-spouses.</p> <h3>Exceptions to Community Property in California</h3> <p>There are several exceptions to community property in California. Under specific circumstances, the law will regard property as separate property of just one spouse:</p> <ul> <li>The property was given to one spouse as a gift.</li> <li>One spouse received the property through someone’s will or a trust fund.</li> <li>One spouse received it as an inheritance.</li> <li>A spouse acquired it before marriage.</li> <li>The property was acquired by one spouse or just that spouse's money.</li> <li>It was obtained when the couple was living apart or separated. Typically, spouses are regarded by the law as living apart when one of them informs the other that they don’t want the marriage to continue. They also must physically reside in separate locations.</li> </ul> <h2>What Is Property Under California Law?</h2> <p>Under California law, property is <strong>anything you can sell or buy</strong>, including real estate, furniture, vehicles, clothing, and household goods. Also, it’s <strong>anything that holds value</strong>, even if you can’t sell or buy it, such as cash, bank accounts, stocks, pension plans, businesses, patents, life insurance with cash value, etc.</p> <p>When you divorce your spouse, you can come up with an agreement that gives you and your spouse a fair share of the property. However, the judge will still have to sign off on it, even if you agree. And if the settlement is unfair to one of you, the judge is free to tell you to come back with another plan. On the other hand, if you and your spouse don’t agree, you’ll have to ask the judge to rule or go to mediation.</p> <h2>What Is the Difference Between Community Property vs. the Common Law Stat</h2> <p>Most states rely on the concept of common law property to decide who owns property obtained during a marriage. Common law property is considered <strong>the property of the spouse who obtains it during the marriage</strong> unless it’s placed under the names of both spouses.</p> <p>So, how is property divided in a common law property state in case of a divorce? The guiding principle is equitable distribution. Here, the idea is that property ownership is unequal due to factors such as spouses’ education, employability, earrings level, financial needs, health, and age.</p> <p>Considering these factors should make the distribution fair, but not necessarily equal. For example, in some cases, judges may demand one spouse to use their separate property to make a settlement fair to both individuals.</p> <p>Divorcing spouses will often work out how they wish to split their assets and debts themselves or with the help of a neutral party. However, if they can’t agree, the court decides on the division of property based on the laws of the state.</p> <h2>What Is Separate Property?</h2> <p>Separate property is <strong>the property that one spouse owned before the marriage</strong>. It also covers inheritance and gifts given to one spouse and property bought or earned after the separation. This is the main reason why the date of separation is vital in many divorces and should be recorded and discussed with your lawyer as soon as possible.</p> <p>Moreover, any property purchased with separate property is separate property, despite being bought during the marriage. In addition, income or rent earned from separate property is also separate, meaning rent or money made from businesses or real estate owned before marriage will still be separate property unless mixed with community assets.</p> <h2>How Does Separate Property Become Marital Property?</h2> <p>The trickiest part of marital vs. separate assets is that most married couples behave as a single household. They spend money from the same bank accounts, share significant assets, and hold property in common. This leads to what the law considers “commingling”.</p> <p>Commingling happens when separate assets are used by both spouses or when married couples share separate assets, causing these assets to be reclassified as marital assets.</p> <h2>Protect Yourself During a Divorce</h2> <p>Each spouse should open separate bank and savings accounts once the split happens. However, an <a href="https://lightspeedescrow.com/blog-post/how-to-open-escrow-account">escrow account</a> may be needed to ensure adequate support for shared children or a disadvantaged spouse. An escrow account can also prevent unnecessary or excessive depletion of joint marital funds.</p> <p>If you need escrow services, work with a good agency, such as Lightspeed Escrow. We are a team of experts who know how the get the job done expediently and avoid common pitfalls. So, <a href="https://lightspeedescrow.com/contact-us">contact Lightspeed Escrow</a> for quick and accurate escrow services.</p>
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      • titleA Homeowner’s Comprehensive Guide to Escrow Insurance
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/escrow-insurance" }, "headline": "A Homeowner’s Comprehensive Guide to Escrow Insurance", "description": "More than 260,000 escrows are closed every month in the US. But, do you know what escrow insurance is and how it relates to your homeowners insurance?", "image": "https://lightspeedescrow.com/files/blog/6c52b676-30cf-4b27-b9a8-f4c4d78557b4_man-reading-insurance-documents.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/theme/Public/images/logo.svg" } }, "datePublished": "2022-06-29", "dateModified": "2022-06-29" } </script> <p>Buying a property for the first time can be very exciting but sometimes also overwhelming. It's probably the most significant investment of your lifetime, and there's quite a lot to keep up with along the way. Each step of the real estate transaction process might be unfamiliar, from obtaining financing to making an offer and closing the deal.</p> <p>Another thing that might be new to you is the concept of escrow insurance. If you're taking out a mortgage, your lender will probably require you to have one to make sure you have enough money to cover the related expenses, including your homeowners insurance. It’s an unavoidable expense for most homeowners, but taking care of it with an escrow account can make things a little easier.</p> <p>Read on to learn the ins and outs of escrow insurance accounts as we break down how they work when it comes to paying your homeowners insurance premiums.</p> <h2>What Is Escrow Insurance?</h2> <p><strong><a href="https://lightspeedescrow.com/blog-post/how-to-open-escrow-account">Opening an escrow account</a> makes it easy to manage property taxes and insurance premiums for your home</strong>. It’s a very convenient and safe way of paying all bills when they’re due, as you don’t have to save for them separately or pay annual lump-sum expenses all at once because through escrow, you make monthly payments, where:</p> <ol> <li>Part goes toward your mortgage to pay your principal and interest.</li> <li>The other part goes into your escrow account for property taxes and insurance premiums (like homeowners insurance, mortgage insurance, or flood insurance).</li> </ol> <p>When your taxes and homeowners insurance fall due, your mortgage lender uses the funds in your escrow account to pay those bills on your behalf. As you make these monthly payments, the loan servicer will set aside a portion of your mortgage payment and hold it in your account to cover taxes and insurance payments associated with the property. For example, your homeowners insurance will be paid out of the escrow account.</p> <h3>Does Escrow Include Home Insurance?</h3> <p>Does escrow pay home insurance? In short, yes. Your escrow account is specifically designed to pay for your homeowners insurance premium each month, as well as property taxes. Keep in mind that your escrow funds won’t be used to cover expenses related to homeownership, like your utility bills or HOA fees.</p> <h2>What Is Escrow Home Insurance?</h2> <p><strong>Homeowners insurance, also called home insurance, is a type of property insurance that covers your home, its contents, and more</strong>. Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of personal belongings, and injury that arises while on the property. You pay an annual premium for the coverage, and the insurance company pays for any covered losses up to your insurance policy’s limits.</p> <p>Home insurance isn't a luxury. It's more of a necessity, and not just because it protects your property against destructive events. Most mortgage companies require borrowers to have insurance coverage for their property and won't make a loan or finance a residential real estate transaction without proof of insurance. Using an escrow home insurance account for your homeowners insurance payments provides protection to both you and your lender.</p> <h3>How Does Homeowners Insurance Escrow Work?</h3> <p>A homeowners insurance escrow account is a separate bank account designed to house money set aside each month to pay for several essential mortgage items, including homeowners insurance. Paying home insurance through an escrow account is very convenient as your policy premium is essentially rolled into one account. It also guarantees you'll have enough money to cover lump sum property taxes and homeowners insurance payments when they’re due.</p> <p>Paying your homeowners premium and property taxes through an escrow account isn’t required for all home loans but is common. Many homeowners home insurance payments are part of their monthly mortgage payment and are typically kept in an escrow account. The benefits of an escrow account are many, but it comes down to whether you like to be more hands-off when it comes to your monthly payments and value agency over your account.</p> <p>It’s also worth noting that an escrow account has no impact on your insurance premiums, so it doesn't make home insurance cheaper or more expensive. However, homeowners premiums and annual property taxes can fluctuate. When such changes occur, the mortgage servicing company will simply adjust the amount you must pay to the escrow account.</p> <h3>Benefits of Having an Escrow Insurance Account</h3> <p>Whether or not you should get homeowners insurance escrow is up to you and your mortgage lender. Ultimately, you’ll need to decide if you prefer making the monthly payments yourself or if you want to have that process automated. Understanding the pros and cons of paying homeowners insurance with an escrow account will help you make the best decision for your needs.</p> <ol> <li><strong>Automatic payments</strong>: You may like the convenience and peace of mind that an escrow account allows you to take care of payments with virtually no effort on your part. Instead, the mortgage servicer sends your payment to your insurer for you. You don't have to worry about paying various home-related taxes and insurance bills on time, which allows you to avoid late penalty fees.</li> <li><strong>Incentives</strong>: Some mortgage lenders incentivize escrow accounts to make them more attractive to homeowners, so you may save more on your interest rate or closing cost.</li> <li><strong>Potential to earn interest</strong>: You may even be able to make interest from an escrow account, but this varies by state and lender.</li> <li><strong>Always in the loop</strong>: With escrow insurance, there are no surprises with large annual premium payments. Your lender will also typically notify you of any changes to your payments and report your account balance, including overages and shortages.</li> </ol> <p>The cons of homeowners insurance escrow? You will probably have to make a larger upfront payment since you are generally required to prepay homeowners insurance, and you could miss out on short-term investment opportunities by not saving the money in your own account. Nonetheless, as mentioned above, some states allow you to earn interest even from the escrow account.</p> <h2>FAQ</h2> <h3>Is Homeowners Insurance Included In Mortgage?</h3> <p>Your homeowners insurance premium is included in your mortgage payment if you have an escrow account. When you pay your mortgage through escrow insurance, a portion of the overall payment is set aside in your escrow account to pay for your homeowners insurance and property taxes (and mortgage insurance if your lender requires it). This way, all insurance and property taxes are automatically paid from the escrow account when they're due.</p> <h3>Can I Pay My Homeowners Insurance Myself?</h3> <p>Homeowners insurance can be paid through an escrow account or directly by you to your insurance company. Whether or not you can pay your home insurance yourself depends on how your mortgage is set up.</p> <p>Some may have the option to pay their property taxes and homeowners insurance themselves. However, most mortgage servicers require an escrow account for borrowers whose down payment is less than 20 percent. If your home is paid off, you will not have an escrow account, and you’ll pay your premium to the insurance company directly.</p> <p>With an escrow account, your homeowners insurance will be paid yearly. If you don't have an escrow account, you can typically choose to pay for your home insurance monthly, quarterly, semiannually, or yearly.</p> <h3>How to Change Home Insurance with Escrow?</h3> <p>Modern home insurance is very customizable, and many carriers are offering extensive coverage and incentives for signing up, such as discounts on your premium. You do not have to wait until your renewal date to change your homeoweners insurance escrow to a new carrier - you can change companies in the middle of your policy term.</p> <p>Paying your home insurance through escrow can be convenient, but if you want to change insurance providers, things can get a little tricky. So, how do you change homeowners insurance with an escrow account? Here’s what you need to do:</p> <ol> <li>Shop for and choose a new carrier</li> <li>Buy your new policy</li> <li>Notify your mortgage company</li> <li>Cancel your current policy</li> <li>Check with your mortgage lender for any payment changes</li> <li>Send any premium refunds to your new escrow account</li> </ol> <p>Changing home insurance through escrow doesn’t cost anything because all your lender has to do is update where they send your funds. If you paid the full coverage amount upfront but end up canceling your policy before the end date, you’ll receive a refund check for that allotted time. However, you could face a small fee for canceling your previous policy before it ends.</p> <h3>How to Lower Escrow Payment?</h3> <p>There are a few ways you can lower your escrow payments. You can dispute your property taxes if you think your property tax bill is too high, shop around for cheaper homeowners insurance premiums, or request a cancellation of your private mortgage insurance. You can also ask your lender to reevaluate your monthly escrow payment if you have evidence that shows you’re currently overpaying into escrow.</p> <h2>Reliable Escrow Insurance Services at the Speed of Light</h2> <p>Escrow is a vital part of real estate, especially when purchasing a home. Having an escrow insurance account can give you peace of mind by helping you budget the tiresome annual costs of being a homeowner. Trust and experience are essential in choosing an escrow company as escrow accounts are often a target for scams because of the large funds held in one place. Reputation for speed of transaction and competitive fees is also important.</p> <p>Yes, real estate deals can be complicated, but we make them simple. Light Speed is a full-service escrow committed to making transactions quick, seamless, and affordable throughout Southern California, whether you are a first-time or seasoned home buyer.</p> <p><a href="https://lightspeedescrow.com/contact-us">Get in touch</a> for reliable, expert, and fast escrow services today!</p>
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      • autor_nameLightspeed Escrow
      • titleThe Ultimate Guide to an Escrow Refund
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/escrow-refund" }, "headline": "The Ultimate Guide to an Escrow Refund", "description": "Don’t let a potential escrow refund slip through your fingers - learn all about how it works and how to keep an eye on your account to qualify for one.", "image": "https://lightspeedescrow.com/files/blog/bd6fe8a1-2d93-40dd-8705-8df42f07448f_housing-market-concept-house-key-loan-escrow.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/img/logo.png" } }, "datePublished": "2022-06-27", "dateModified": "2022-06-27" } </script> <p>Escrow accounts are used to hold funds for paying pop-up expenses like property taxes and insurance premiums when they’re due. It’s a helpful way to have these expenses covered by a third party and paid on time, so you don’t have to juggle them with your other bills. When mortgage companies perform their annual escrow account analysis, they may stumble upon an overage or shortage of funds on your escrow account.</p> <p>The phrase “ignorance is bliss” is a poor mantra to live by and certainly no way to act towards your finances. A surplus of funds on your escrow account can actually present an enticing opportunity to get a lucrative escrow refund. Knowing the ins and outs of escrow refunds will allow you to get your money back in certain situations.</p> <p><strong>To keep you in the loop, we’ll go over what an escrow refund is, how it works, as well as when you may qualify for and receive one</strong>. Ready to cash in some unexpected funds?</p> <h2>What Is an Escrow Account?</h2> <p>If you’ve never made a mortgage payment before, you might not be familiar with escrow accounts in the first place. So, let’s start with the basics. An escrow account is essentially a savings account that’s managed by mortgage servicers to make monthly payments for estimated <a href="https://lightspeedescrow.com/blog-post/when-are-property-taxes-due-in-california">property taxes</a> and your homeowner's mortgage insurance premiums on your behalf. Your escrow balance is the amount of money that is held for you in your escrow account.</p> <p>Each month, a portion of your mortgage payment will go into your escrow account, and your mortgage servicer will use that money to pay your taxes, mortgage, and homeowners insurance bills when they are due. Even if an escrow account isn’t necessary, it’s still a good idea to use one as all the payments and budgeting will be managed for you, and you’ll be able to spread out your taxes and insurance payments over the year instead of paying a large sum all at once.</p> <h2>What Is an Escrow Refund?</h2> <p>Since the money in the escrow accounts is for future payments, things can change. For various reasons, which we will later explain in more detail, sometimes you may end up with some extra money in your escrow account than you need to pay your bills. Escrow accounts are governed by the Real Estate Settlement Procedures Act (RESPA), and RESPA has a limitation on the amount of money that can be kept in an escrow account.</p> <p>If your escrow contains excess funds, this means you have an overage. Lenders are required to refund you if your escrow account balance is over the limit. <strong>An escrow refund allows you to reclaim the excess funds stored on your behalf by a mortgage servicer</strong>.</p> <p>If an escrow account analysis shows that the escrow account has an overage, you’re eligible for an escrow refund and will receive an escrow overage refund check with the remaining balance. You could get an escrow refund if its balance becomes higher than necessary or once you've completely paid off your mortgage.</p> <h3>What Is an Escrow Balance Refund?</h3> <p>Any time an existing escrow account is closed and there are remaining funds in it, you are eligible to receive an escrow balance refund for the remaining balance on the account. If your mortgage is fully paid off, you should receive a check in the amount of any remaining balances from your lender within 20-30 business days.</p> <h3>What Is a Refinance Escrow Refund?</h3> <p>Wondering what happens to your escrow balance when you refinance? Mortgage refinance means that loan servicing may be transferred from one loan servicer to another. Suppose you’re refinancing your mortgage with your original mortgage lender. In that case, your existing escrow account funds will generally remain intact, so there will be no overages that call for an escrow refund unless the property tax bills or insurance premiums have changed.</p> <p>However, if you refinanced your mortgage with a different lender, a new escrow account will be opened and your previous one closed. <strong>In this case, you’ll receive a refund check with the balance surplus in your original escrow account</strong>.</p> <h3>What Is an Escrow Deposit Refund?</h3> <p>An <a href="https://lightspeedescrow.com/blog-post/earnest-money">earnest money</a> escrow deposit is also refundable. In most U.S. jurisdictions, the earnest money deposit held in escrow during the contract period must be returned if a buyer properly walks away from a deal. <strong>This means you can get an escrow deposit refund if you are backing out of the purchasing agreement before specific deadlines and didn’t break any contract rules</strong>.</p> <h3>What Is Net Escrow?</h3> <p>When you refinance a mortgage, it’s like starting over with a new loan. Instead of paying the new escrow amount out of your pocket, you can ask the old lender to “net escrow.” This means rather than the lender sending the funds back to you, they send them to your new lender. You can use these funds to cover the difference for the new escrow account.</p> <h2><a href="https://lightspeedescrow.com/blog-post/mortgage-escrow-account-pros-and-cons">Mortgage Escrow</a> Refund Rules</h2> <p>You have an “escrow surplus” or “escrow overage” if the quantity of excess money in your escrow account exceeds the permissible cushion. The federal government allows banks to cushion their customers’ escrow accounts by up to one-sixth the estimated amount. This helps to assure the bank that it will not have to use its funds to pay the bills. It also increases the likelihood of an escrow overage.</p> <p><strong>Account overages must be handled according to specific RESPA rules and laws, including amounts to be returned to account holders</strong>. Lenders are subject to penalties if they mishandle escrow funds.</p> <p>Let’s go over some of the most important ones:</p> <ol> <li>The excess amount on the escrow account must be more than $50 to be able to request an escrow refund</li> <li>If the overage in your escrow balance is less than $50, the mortgage lender can keep the amount in the account to service future bills</li> <li>There are no rules or limits regarding the maximum amount of money you can receive through an escrow refund, as the surplus money is rightfully yours.</li> </ol> <h3>When Are You Eligible for an Escrow Refund?</h3> <p>As mentioned above, escrow funds are limited in the amount of your money they can hold. <strong>If your escrow account has excess funds (more than two months’ worth of future payments), you are eligible to ask for that money back if the excess amount is more than $50</strong>. Escrow refunds can occur for several reasons, the most common ones being:</p> <ol> <li>You’ve entirely paid off your mortgage</li> <li>You’ve paid more into your escrow than necessary</li> <li>You’re closing or refinancing your escrow account</li> <li>You’re switching up insurance companies for a better rate</li> <li>Property tax bills are lowered</li> </ol> <p>However, keep in mind that you must be current on your payments to be eligible for a refund. Otherwise, your mortgage servicer can be allowed to keep the surplus to use for paying future bills.</p> <h2>What Is an Escrow Refund Check?</h2> <p>An escrow refund check, also known as an <a href="https://lightspeedescrow.com/blog-post/escrow-surplus">escrow surplus</a> check, is the check you will receive for your escrow refund to be able to cash in the excess funds in your escrow account.</p> <h3>When Will I Get My Escrow Refund Check?</h3> <p>If you are eligible for an escrow refund, you’ll likely receive the check once your lender has completed their annual escrow account analysis. This typically happens around the time the loan originated. RESPA requires the lender to return the funds to you within 30 days after the <a href="https://lightspeedescrow.com/blog-post/guide-through-an-escrow-analysis">escrow analysis</a> and identifying the overage.</p> <p>However, it’s possible that you may need to ask to receive the escrow refund check. You can request a refund at any time of year if you’re eligible.</p> <h3>When Will I Get My Escrow Refund After Refinancing?</h3> <p>The exact turnaround time of a refund check is not always certain. You should receive your escrow refund within 30 days of your former lender receiving the mortgage payment from your new lender. Still, lenders vary in their refund processing times, and if your former lender doesn't refund your check within a month of closing, you may have to follow up or contact the lender to speed up the process.</p> <h3>What Should I Do With My Escrow Refund Check?</h3> <p>So, it turned out you had surplus funds in your escrow account at the end of the year and received an escrow refund check from your mortgage lender. Now, you’re wondering what you should do with these funds.</p> <p>The good news is there's no universal "best" way to spend this surprise money. It all depends on your financial situation and your personal preferences. After all, the money is yours to do as you please, and there are tons of ways you can utilize your escrow refund!</p> <h2>How to Calculate Escrow Refund / Overage</h2> <p>Calculating your escrow refund, that is, the overage you have in your escrow account, is not as complex as it might seem. Simply multiply your monthly mortgage payment by three to account for next month's payment plus the two-month cushion. The amount you get is the maximum amount the mortgage servicing company can keep in your escrow account under RESPA.</p> <p>After that, compare this number against the actual balance in your escrow account. If there is a surplus of over $50, congratulations – you’re eligible for an escrow refund in that amount!</p> <p>Another way to calculate potential escrow overage is to know the current balance in your escrow account. Add the 12 monthly escrow payments that you will be making during the upcoming year. Then, simply deduct the estimated disbursements for property taxes and insurance bills. If there is money left, then you’ll have an escrow overage.</p> <h2>The Bottom Line</h2> <p>Setting up an escrow account is a form of “trust” - it offers a convenient way to pay for taxes and insurance so that the transactions can run seamlessly. Sometimes, they can even surprise you with the opportunity to get some extra money back.</p> <p>With Lightspeed Escrow, you can expect fast, low-cost and transparent transactions on any real estate escrow service you need throughout Southern California. We pride ourselves on error-free transactions and complete transparency from the start. <a href="https://lightspeedescrow.com/contact-us">Get in touch</a> for reliable escrow services to keep your escrow account in good hands and have someone to keep a close eye on your escrow balance and potential escrow refund.</p>
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      • short_descriptionDon’t let a potential escrow refund slip through your fingers - learn all about how it works and how to keep an eye on your account to qualify for one.
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      • id1
      • slugthe-role-of-an-escrow-officer-in-real-estate
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      • autor_nameLightspeed Escrow
      • titleThe Role of an Escrow Officer in Real Estate Transactions Explained
      • body<script type="application/ld+json"> { "@context": "https://schema.org", "@type": "BlogPosting", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://lightspeedescrow.com/blog-post/the-role-of-an-escrow-officer-in-real-estate" }, "headline": "The Role of an Escrow Officer in Real Estate Transactions Explained", "description": "What is escrow and what does an escrow officer do, exactly? Learn all about the duties, responsibilities, and role of an escrow officer in real estate transactions.", "image": "https://lightspeedescrow.com/files/blog/365b5fef-c0b6-440d-9a9c-d4fe0be81377_escrow-officer.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/img/logo.png" } }, "datePublished": "2022-06-08", "dateModified": "2022-06-15" } </script> <p>Escrow is a commonly used service when buying or selling property. It opens after a signed agreement is delivered to an escrow officer, who ensures that all the conditions of the contract are met. <strong>Being familiar with the concept of escrow services can help you minimize your risk when valuable real estate exchanges hands and move forward with the deal more comfortably</strong>.</p> <p>If you’re planning on dealing with a real estate transaction – selling or buying property, it’s worth learning how escrow works, what is the role of an escrow officer in real estate transactions and how they can help make the entire process run seamlessly.</p> <h2>What Is Escrow?</h2> <p>Escrow might seem complex, especially to first-time homebuyers or home sellers. So, before we get into detail, let’s start from the basics to put things into perspective. Simply put, escrow is a legal arrangement in which a third party temporarily holds assets (usually money or property) until a particular condition has been met (such as the fulfillment of a purchase agreement).</p> <p>Escrow is commonly used for any number of financial and legal scenarios of large value, such as the purchase of a home or other property. It’s used in real estate transactions to protect both the buyer and the seller throughout the home buying process.</p> <p></p> <h3>How Does Escrow Work In Real Estate?</h3> <p>The use of an escrow account in a transaction adds a degree of safety for both parties as assets at stake are safely kept in a third-party account and released only when all terms of the agreement have been met. That third party, broadly known as an "escrow provider," helps make the transaction safe by protecting the assets until both parties have met their obligations of the agreement.</p> <p>Escrow accounts may be handled by a variety of third parties, including an escrow company, or an escrow officer/agent. The escrow process is fairly simple. The buyer of the property transfers funds to an escrow provider. If all the requirements and terms of the transaction are met, then the funds are further transferred to the seller of the property. If not, then either partial funds are transferred to the seller, or they are all returned to the buyer.</p> <p></p> <h3>Why Use an Escrow?</h3> <p>Escrow is commonly used in many different kinds of purchases because it safeguards both the buyer and the seller. In the world of real estate, escrow is mainly used for two reasons:</p> <ol> <li>To protect the buyer’s good faith deposit so the money goes to the right party according to the conditions of the transaction</li> <li>To hold a homeowner’s funds for <a href="https://lightspeedescrow.com/blog-post/when-are-property-taxes-due-in-california">property taxes</a> and homeowners insurance.</li> </ol> <p>When large financial investments are at stake, like in real estate, escrow allows both parties to make sure there aren’t any malicious attempts at stake. The main purpose of an escrow is to ensure everybody sticks to their end of the bargain. It asserts that the transfer of funds and/or assets only happens when all the obligations of the transaction have been met. <a href="https://lightspeedescrow.com/services">Escrow services</a> are also beneficial when a transaction needs to be completed in steps.</p> <p>Without escrow, both buyers and sellers are taking a significant risk. For example, there’s nothing stopping a seller from cashing the check without the buyer knowing whether or not all concerns regarding the transaction have been properly addressed.</p> <p></p> <h2>What Is An Escrow Officer?</h2> <p>In arrangements where valuable assets are at stake, one party may feel unsure that the other will meet their end of the bargain, creating the need for a third party to act as a "referee." That’s where an escrow officer comes in. Lenders and real estate agents often have business relationships with title companies and choose an escrow officer on your behalf.</p> <p>An escrow officer, or an escrow agent, is a neutral, unbiased third party who isn't concerned with whether the buyer or seller comes out ahead – his or her only job is to successfully accomplish the closing of a real estate transaction. Escrow officers are professionals specialized in the complexities of closing a real estate transaction, whether by receiving official formalized training or simply by mastering the craft in practice.</p> <p></p> <h3>Who Does An Escrow Agent Work for?</h3> <p>Escrow agents may work for a <a href="https://lightspeedescrow.com/blog-post/is-title-insurance-a-waste-of-money">title insurance</a> company, real estate attorneys, as an affiliate of a lender, or as an independent escrow company. However, they do not work for the buyer or seller and must remain neutral in any transaction.</p> <p></p> <h3>What Is An Escrow Assistant?</h3> <p>An escrow assistant often helps with basic clerical and administrative tasks during a real estate transaction. They may help with opening an escrow account, emailing all involved parties with status updates, and help schedule meetings and closings.</p> <p></p> <h2>What Is The Role of An Escrow Officer In Real Estate Transactions?</h2> <p>An escrow officer is an extremely important role in real estate. Simply put, the role of an escrow officer in real estate transactions is to safeguard the assets of buyers and sellers before they get transferred from one party to the other. They help make sure that the real estate transaction goes smoothly and act as an impartial third party to securely hold on to funds from purchasers.</p> <p>More specifically, an escrow officer's role is to:</p> <ol> <li>Secure funding</li> <li>Review documents</li> <li>Oversee the transactional process</li> <li>Disburse the money accordingly once all the required conditions are fulfilled.</li> </ol> <p>An escrow agent is there to ensure a real estate transaction is correctly carried out by a homebuyer, home seller, and any real estate agents involved in the purchase or refinance of a home. The escrow officer acts as a “middleman”, ensuring that both the buyer and seller will do what they agreed to do before closing the deal. Escrow officers oversee the terms of a contract throughout the transaction and make sure that they are honored by all parties.</p> <p></p> <h3>Escrow Officer Job Description: What Does An Escrow Officer Do?</h3> <p>The duties of an escrow officer are usually defined by the particular transactional agreement they are overseeing, as terms can vary. However, some of the typical responsibilities and tasks of an escrow officer include:</p> <ol> <li>Meeting with clients to explain the escrow process, answer questions, and offer escrow instructions</li> <li>Depositing and handling escrow funds</li> <li>Overseeing the escrow account</li> <li>Handling title and property-related documents</li> <li>Notifying all parties if there are any potential problems</li> <li>Making sure all sales and legal documents are in compliance</li> <li>Ensuring loan and contract paperwork is signed timely and correctly</li> <li>Prorating taxes, interest, insurance, and rests</li> <li>Providing all parties with an escrow balance statement</li> <li>Paying bills as authorized</li> <li>Keeping all parties involved informed about closing timelines</li> <li>Overseeing the work of an escrow assistant (if involved)</li> <li>Serving as a central point of communication between all parties involved (the buyer and seller, title company, real estate agents, business managers, attornies, and mortgage broker)</li> <li>Approving the disbursement of escrow funds during closing and submitting documents for recording after all terms have been met.</li> </ol> <p>However, keep in mind that negotiating transactions and offering any legal or investment advice is not in an escrow officer’s job description.</p> <h2>Escrow Officer Salary: How Do Escrow Officers Get Paid?</h2> <p>Escrow agents usually earn a salary. Unlike real estate agents and loan officers, they aren’t paid based on a percentage of the sales price or loan amount, although they can earn commission based on the quality of their work.</p> <p></p> <h3>How Much Does An Escrow Officer Make?</h3> <p>Thinking about becoming an escort officer yourself? If so, you’re probably wondering how much an escrow agent makes while acting as a mediator in such valuable transactions.</p> <p>The salaries of escrow officers in the US range from $20,870 to $187,200, with an average salary of roughly $50,000. However, geographical location can make a difference in an escrow officer’s salary. For example, the average escrow officer salary in California is estimated to be about $65,062 per year, while escrow officers in Detroit and Michigan, for example, report making an average of $54,891.</p> <p></p> <h2>The Bottom Line</h2> <p>Escrow is a vital part of real estate, especially when purchasing a home. It protects buyers and sellers during transactions and offers a convenient way to pay for taxes and insurance, so the transaction can run smoothly. That’s why it’s always a good idea to find a reliable escrow officer, who will seamlessly manage the entire process and provide you with peace of mind by taking on all responsibility.</p> <p>Already Googling “escrow officers near me”? No need to. WIth Lightspeed Escrow, you can expect fast, low-cost real estate transactions on any escrow service you need throughout Southern California. We make real estate closings quick and painless. Don’t let a lucrative deal fall through due to technicalities or delays. <a href="https://lightspeedescrow.com/contact-us">Get in touch</a> for reliable, expert, and expedient escrow services today!</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/different-types-of-escrow" }, "headline": "Explaining Different Types of Escrow", "description": "It is scary to put your hard earn money in someone's hands just based on trust. But there are many types of escrow accounts, protecting both parties in the transaction.", "image": "https://lightspeedescrow.com/files/blog/065e45b7-1336-44c0-89da-ad00de1d8bd6_sale-purchase-contract-to-buy-a-house.jpg", "author": { "@type": "Organization", "name": "Lightspeed Escrow", "url": "https://lightspeedescrow.com/" }, "publisher": { "@type": "Organization", "name": "Lightspeed Escrow", "logo": { "@type": "ImageObject", "url": "https://lightspeedescrow.com/img/logo.png" } }, "datePublished": "2022-07-07", "dateModified": "2022-07-07" } </script> <p>When two people enter a business that requires a transaction, there is often a factor of trust involved. Although most people have good intentions, it is scary to put your hard earn money in someone's hands without knowing what they are capable of and if they are looking for a naive victim. That is why there are different types of escrow accounts, protecting both parties in the transaction.</p> <p>Escrows are always run by an impartial third party - an escrow company or a title company - and have no other connections with the seller/lender/landlord or buyer/borrower/renter. Escrow accounts serve to create a safe and fair space for a transaction.</p> <h2>What Is an Escrow Account in General?</h2> <p>Escrow accounts are one of the best ways to ensure trust between two parties involved in any kind of transaction. Held by an impartial third party, they do not belong to either side. When an escrow account is opened its owner is an escrow holder, and that person is transferring the money or other assets only on these separate occasions:</p> <ul> <li>If the applicant (buyer/borrower/renter/) and the beneficiary (seller/lender/landlord) come to an agreement and every point of the sales contract is respected, then the escrow money goes to the seller - the transaction is done.</li> <li>If the buyer backs out of the sale, but under conditions not permitted under the sales contract, then the escrow money goes to the seller - the transaction is stopped.</li> <li>If the seller backs out under disallowed conditions, the escrow money goes back to the seller - the transaction is stopped.</li> <li>If the due date for paying a lump sum has come, the money that the homeowner paid monthly will be transferred to insurance companies, IRS, and others.</li> </ul> <p>An escrow account in the most simple way is a protector of assets, both financial and others, such as deeds and patent rights. It deals with the problem of trust in business and creates a safe space for applicants and beneficiaries.</p> <h2>Escrows in Real Estate</h2> <p>Escrows are used in real estate for several reasons, and they are a very frequently used transaction method. As you’re entering the market, either rental or home buying, you’ll see that escrows await you every step of the way.</p> <p>Homebuying is almost impossible to conduct without an escrow account between a seller and a buyer because it is such a large sum of money that no one wants to risk it. Renal and <a href="https://lightspeedescrow.com/blog-post/mortgage-escrow-account-pros-and-cons">mortgage escrows</a> are not always obligatory, but they are highly advised, as they can save you a lot of trouble in the long run.</p> <h3>Home Buying Escrow Accounts</h3> <p>Homebuying escrow accounts hold the buyer’s earnest money deposit until all the contingencies of the purchase agreement have been met. Once the buyer makes an offer and the seller accepts it, the earnest money deposit will be transferred to an escrow account. An escrow agent will be in charge to hold the money and keep track of the contingencies and conditions that the buyer and the seller need to meet.</p> <p>Once each party has done its part, and they are both content to move forward with the sale - their escrow agent will be present at the closing. At closing, the escrow money is transferred to the buyer's account and that real estate transaction is over, after which the escrow account closes.</p> <p>There are a few circumstances that favor neither the seller nor the buyer. According to the <a href="https://lightspeedescrow.com/blog-post/escrow-agreement">escrow agreement</a> and the purchasing contract, the money will be transferred back to the buyer if there are any unmet conditions or undisclosed issued by the seller. The escrow provider has to transfer the money to the seller if the buyer backs out of the sale without legal cover.</p> <h3>Mortgage Escrow Accounts</h3> <p>When the <a href="https://lightspeedescrow.com/blog-post/earnest-money">earnest money deposit</a> is transferred to the seller’s account it is not the end of the sale. If you are a borrower your lender will transfer the money to the seller as well, and you have to pay it back with interest. You will be paying a monthly mortgage payment, which consists of a loan principal and interest, but your homeowner costs don’t end there.</p> <p>Among other things, as a homeowner, you need to pay some annual or semi-annual costs, such as homeowners insurance and taxes. If you fail to pay your homeowner costs, your lender might have a problem selling the house or getting any money out of it.</p> <p>To ensure that the property is a smart investment, the lender will often require you to open an escrow account and pay monthly escrow payments. Those escrow payments are then stored on the account and disbursement comes when the fees and taxes are due. Their due dates and amounts are defined in an escrow agreement.</p> <p>Mortgage escrows have three types of real estate transactions: from the homeowner to the escrow account, where it builds up, from the escrow to the insurance companies and other institutions, and if there is anything left on the balance sheet - it goes back to the homeowner in a form of a refund.</p> <h3>Renting Escrow Account</h3> <p>The relationship between renters and their landlords can be complicated. There are plenty of landlords who try and take advantage of their tenants, but there are also renters who want to pay less or nothing for their accommodation.</p> <p>An escrow company or just an escrow account can help mediate their transactions. For example, if the landlord doesn’t provide necessities (water, heat, electricity) or doesn’t address the issues he is responsible for, the renter has the right not to pay their rent.</p> <p>However, instead of just denying to pay, they are sometimes required to open an escrow account, to show that they are serious about living in that place, and not just avoiding payments. Once the landlord resolves the issues, the escrow payments, in a form of collected rents, are transferred to his account.</p> <p>Safety deposits can also be saved up on an escrow account so that the landlord can keep track and doesn’t mistakenly spend it on something else.</p> <h2>Escrows in Trading and Business</h2> <p>Although escrows are a very common tool for real estate transactions, this doesn’t mean that other industries don’t use them, and often. We’ll list a few escrow accounts that you might encounter or hear about.</p> <h3>Online Shopping</h3> <p>Any type of online transaction can be helped by an escrow account for the full protection of both parties.</p> <h3>Software Escrow Accounts</h3> <p>When the buyer and software developer negotiate an agreement for licensing software, the escrow account acts as insurance. This is because the software developer can sell their product with a flaw, and once the deal is done, he can disappear and the software will not run. The escrow account will actually be a vault where all the code material is stored until the release conditions are met.</p> <h3>Freelancer Escrow Accounts</h3> <p>Freelancer escrows are a new and rising trend that started since freelance and remote work began spreading across the world. Escrow accounts for freelancers is ensuring that the freelancer will do their job and that their employer will pay them as previously agreed.</p> <p>When the freelancer is commissioned, the employer will transfer the escrow money to an impartial holder. When the freelancer does their job, the money will be released to them, if they fail to do the assignment, the employer will keep the money.</p> <h3>Construction Escrow Accounts</h3> <p>A construction escrow account is a part of both business and real estate types of escrows. That is because they are used by construction professionals for construction loans. When a housing developer wants to build a new house or totally renovate an old one, that’s when they go for a construction loan.</p> <p>The lender then opens an escrow account and funds the whole operation stage by stage. The developer can access the funds only by showing detailed receipts about the expenses.</p> <h3>Inheritance Escrow Accounts</h3> <p>When a person dies, their assets go into an escrow opened by tax authorities. This is to ensure that their surviving relatives will pay inheritance taxes and taxes that are left unpaid by the deceased.</p> <h3>Cross-Border Trade Escrow Accounts</h3> <p>Cross-border trade escrow accounts are opened for the purpose of exporter-importer transactions. The importer transfers the money onto an escrow account, escrow service provider verifies the payment and requests the start of exports. The exporter will get the money as soon as the goods arrive at an agreed location and time.</p> <h2>Do You Need to Open an Escrow Account?</h2> <p>If you need a reliable and specialized escrow holder, contact <a href="https://lightspeedescrow.com/">Lightspeed Escrow</a> and get in touch with one of the most professional <a href="https://lightspeedescrow.com/blog-post/what-does-an-escrow-company-do">escrow companies</a> in California. We are real estate experts and we know how much time can an escrow transaction take, that’s why we wanted to take matters into our own hands. We guarantee innovative escrow services and solutions.</p>
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    • 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/User.php
    • 4APP/Model/Blog.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