What to Expect Once Your Offer Is Accepted
#### 📍 Introduction
You made an offer. It was accepted. 🎉Now what?
Welcome to escrow — the final stretch before you get the keys. While it can feel like a whirlwind of paperwork, inspections, and approvals, we’re here to make sure you know exactly what to expect during the loan escrow process.
🏁 What Is Escrow?
Escrow is the period between offer acceptance and closing. A neutral third-party (the escrow company) holds documents and funds until all conditions of the transaction are met.
For loans, this includes:
- Appraisal + loan approval
- Home inspection (optional but recommended)
- Title search + homeowners insurance
- Signing loan documents + final walkthrough
Typical escrows in Southern California take 21–35 days.
📦 What Happens During Escrow?
Step
Description
🔍 Appraisal Ordered
Confirms value and VA loan eligibility
🏠 Home Inspection
Helps uncover any potential issues
📄 Underwriting
Lender reviews financials, title, appraisal
🖊 Final Loan Approval
You get the “clear to close”
🧾 Sign Closing Docs
Usually done with a notary
🗝 Get Keys & Move In
On closing day, escrow releases funds
🧠 Pro Tips for a Smooth Escrow
- Stay responsive to lender and escrow emails
- Avoid large financial changes (don’t buy a car!)
- Lock your interest rate early if possible
- Be prepared for last-minute requests from underwriting
- Schedule your final walkthrough 1–2 days before close
✅ Unique to VA Loans
- Appraisal must meet VA property standards
- Some areas require termite clearance
- Funding fee is confirmed and included in final docs
- You’ll likely close with little to no money out of pocket
💬 Final Thought
Escrow is where your VA home loan becomes reality. While it can feel like a lot, we’re here to keep things moving and make sure you close with confidence.
📞 Have questions about the escrow process or need a checklist?
We’ve got you. Let’s make it smooth and stress-free.
👉 Request a Personalized Escrow Guide
Or reply with your home price — we’ll tailor next steps just for you.