We provide closing and title services both locally and nationally to a large spectrum of clients both small and large, from some of the largest banks and financial institutions to local banks, credit unions and mortgage brokers. We have a broad base of experience in both residential and commercial transactions and our staff has been involved in the resolution of complex title clearance matters. We can also assist with any documentation your borrowers may need to ensure that a corporate loan closed accurately. Our team has the ability to review lender requirements and instructions, to ensure that your borrowers leave the table feeling at ease.

We have compiled a list of the top 5 questions Buyer’s and Seller’s seem to have while in escrow

1) BUYER & SELLER: “Our contract has a specific number of days for closing. If it says “45 days” can I rely on that
time frame?”
Answer: Our company will work tirelessly with all of the parties in your transaction in order to close on time. However,
many factors come into play that can affect the completion date. For example: lender approval, appraisals, delay in receiving
Homeowner’s Association Information and/or seller loan payoff information, unexpected cloud on title, something unforeseen
arising that could affect the terms of the contract, actual receipt of loan documents, and the loan funding (timing varies with
different lenders). These variables can on occasion delay the original close of escrow date.

2) BUYER & SELLER: “This is a huge packet of paperwork?! How soon should I get this back to escrow?”
Answer: Please return completed paperwork back to escrow as soon as possible. Many times, an escrow can be delayed because
the Buyer(s) or Seller(s) did not return paperwork and necessary information to escrow in a timely manner. Items for the Buyer
such as: vesting (how they desire to take title to the property), fire insurance information, new lender information, etc. For the
Seller, items such as: Homeowners Association contact information, information to payoff existing loans, and the notarized grant
deed are needed soon as possible in order to have a smooth and successful transaction. Often a check is needed from the Seller
up-front in order to pay for HOA documents and reports required by City Ordinance. When you receive a packet from escrow,
please open and review immediately. Your Escrow Officer is happy to answer any questions.

3) BUYER: “What are my closing costs?”
Answer: An estimated closing statement will be provided to you prior to the close of escrow. Several estimated closing
statements may be generated throughout the course of your escrow for the purpose of getting the Buyer’s loan approved and
finalized. Escrow will advise the Buyer(s) of the final amount of funds to wire to escrow. This amount will include balance of
down payment and total closing costs.

4) BUYER and SELLER: “What kind of advice can escrow give?”
Answer: Escrow is a neutral third party, therefore we are not allowed to give advice, particularly legal advice, such as how
you hold title or what your rights are in the transaction. Our job is to make sure all terms and conditions relating to the Escrow
Instructions, are met prior to title passing and money being disbursed. Good communication is important so we welcome an
opportunity to assist you, and are happy to direct you to the appropriate party to help you get the information you need.

5) BUYER: “When do we have to give escrow our money?”Answer: Please ensure your money is deposited in an account where the bank can wire your funds to escrow within 48 hours
prior to the close of escrow. Having closing funds readily accessible can avoid delays. If you are using funds from your 401k,
or investment accounts please be sure that the company can send funds to escrow in the form of a bank wire and not ACH
transfers. If you are using gift funds, please know that this type of deposit requires signed third party escrow instructions
and new lender approval.