SF Home Buying Guide
The Parallel Tracks
of Escrow
Simultaneous progress to closing — approx. 30 days — tap any step to learn more
Day 0
Day 7
Day 14
Day 21
Day 30
Escrow
Open escrow
Deposit earnest money
›
Prelim title report
Review liens & encumbrances
›
Sign loan & escrow docs
Notary appointment
›
Record deed
Keys released
Loan
Loan application
Submit docs to lender
›
Appraisal
Lender orders independently
›
Underwriting
Conditions & final approval
›
Closing disclosure
Required review period
›
Fund loan
Wire to escrow
Due dil.
Inspections
General, pest, sewer, roof
›
Disclosure review
TIC agreement, reserves, minutes
›
Request for repairs
Negotiate credit or fix
›
Remove contingencies
Loan, inspection, appraisal
Escrow
Loan
Due diligence
All three tracks run simultaneously — delays in one often affect the others.
Dustin Chaveleh · SF Real Estate · DRE #02368948