What Happens in Escrow

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.