Who Does What?

Lender and/or Mortgage Broker

  • Defines loan amount for borrower
  • Qualifies borrower
  • Orders appraisal on subject property
  • Submit borrower’s information to underwriter for approval
  • Orders loan documents to be sent to escrow for borrowers’ signature
  • Documents returned to underwriter for final inspection (correct signatures/dates)
  • Funds (loan amount) ordered sent to escrow trust account for agreed to disbursement by escrow officer
  • Escrow records documents from seller to buyer’s name and Deeds of Trust for Lender
  • Escrow usually takes 30-60 days of which 3 weeks is the average loan process time at this time

Escrow Officer

  • Coordinates all principals of purchase and sales contract
  • Orders preliminary Title Report on subject property to confirm legal information on subject property, owners of record, current taxes, deed/lien information and CC&R’s of record
  • Makes certain that all “conditions” are met as per instructions, agreed to by Buyer and Seller
  • Coordinates all information between both agents, title department, lender and inspectors, etc.
  • Gathers all documentation regarding new and old loans, inspection reports, repairs and title requirements, etc.
  • Arranges for buyer and seller to sign all Escrow and Title papers
  • Record all documents required to transfer title from seller to buyer including a Grant Deed, Deed of Reconveyance and Trust Deeds
  • Disburses all funds necessary for old loan payoff, inspections, demands of payments for repairs, etc.
  • Arranges for seller to receive proceeds of sale

Buyers Agent

  • Represents buyer with purchase of property, loan and escrow process
  • Helps buyer locate lender who tells buyer the price of property they qualify to buy
  • Helps buyer find suitable property
  • Advises buyer and helps negotiate the price and term through sellers agent
  • Reviews all property information from Preliminary Title Reports. liens.
  • Coordinates all information between buyer, lender, escrow, inspections and other agent
  • Guides buyer through process, loan, required insurance, escrow and closing
  • Takes buyer on “walk through” inspection of property to note any problems that need to addressed during escrow period
  • Arranges to meet with any inspectors or property (with or without buyer present)
  • Usually accompanies buyer to escrow for loan and escrow signing
  • Delivers all keys to property after the property records from seller to buyer

Sellers Agent

  • Represents seller of property
  • Orders property profile from title company to determine ownership, liens, legal description, square footage, bedrooms, baths, roof, heat/air, or special amenities such as a pool, workshop, etc.
  • Does market research and tells seller the market value of property from recent sales
  • Lists property on Multiple Listing Service, reaching almost every REALTOR┬« in the community
  • Markets to REALTORS┬«, advertises, holds open houses, introduces to Multiple Listing Service
  • Oversees necessary repairs of property and maintenance during listing period
  • Negotiates price and terms of purchase contract with buyers agent on behalf of the seller
  • Opens escrow with the title company
  • Coordinates and disseminates information between buyers’ agent, seller, escrow, property inspections and any other involved in sale
  • Oversees inspections and any other repairs agreed to in contract
  • Usually meets with seller to sign escrow/loan documents
  • Arranges pickup and deliver all keys to property and instructional information on any equipment, warranties, etc.

"We are big enough to make a positive difference in each transaction, but small enough to never lose sight of the fact that everything is about you."



Fernando de la Rosa, President
11707 Fair Oaks Blvd., Suite 300
Fair Oaks, CA 95628

(916) 965-3300 Office

(800) 965-3301 Toll Free

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Area Information

  • Sacramento County
  • Placer County
  • El Dorado County
  • Yolo County
  • Stanislaus County
  • San Joaquin County