What if it was easier to finance or refinance your home than you thought? We’re a leading and experienced escrow agency located in Downey, CA with experts on our team who can help you do just. Here’s how to know whether you could use our services – and why we’re the best in town.

When Selling a Home in California, Is Escrow Required?

The short response is “No.” However, once you’ve found a buyer, the process of selling your house might get complicated. It all starts with the buyer’s initial deposit, known as “Earnest Money.”

The term “earnest money” derives from demonstrating to the seller the buyer’s seriousness about purchasing the residence. However, the buyer requires assurances that the vendor will not cash the check and then disappear with the deposit.

Escrow mitigates the dangers associated with handing over a check (or cash) to a seller who cashes the check and flees. Escrow is the norm in California, even though it is not legally required.

What Does Escrow Do?

Home sales do not occur overnight. The earnest money check is usually given to a neutral third party serving as an escrow agent once the buyer’s offer is accepted and a purchase agreement is signed. Also known as a “escrow officer.” In California, there are numerous escrow businesses.

The escrow officer accepts the earnest money check and puts it in an escrow account at a bank or financial institution. The signed purchase agreement specifies all of the terms and conditions under which the seller’s title to the home passes to the buyer.

When all criteria are met, the escrow officer pays the seller with the earnest money and any amount payable by the buyer or the buyer’s lender. Finally, the escrow officer quickly files a title deed with the county or municipal records office, transferring ownership to the buyer.

Are You Purchasing or Refinancing Your Home?

If you’re purchasing or refinancing a home, that’s when you could use an escrow agency.

We negotiate the best deal on your behalf, and we can examine all involved legal agreements to make sure you’re getting the best end of the agreement while being able to understand all of the terms included.

If there’s anything you need explained or need to know, our expert escrow agents and staff are there to help, and we’re experts at translating legalese into plain, simple language.

We Cover Family, Commercial and Mobile Homes

Many escrow agencies handle only commercial property – some only residential. We’re one of the best comprehensive escrow agents who can assist with family, commercial and/or mobile home agreements, purchases and refinancing. We can help whether you’ve already located the ideal place for your needs or even if you’re still looking to find it.

We agree to negotiate only the best deals on your behalf – and the best repayment terms to suit the rest of your budget.