When selling a home, the escrow process can be one of the most daunting tasks for homeowners. The escrow process is the period of time between the acceptance of a purchase agreement and the closing of the sale. During this period, the buyer and seller will work to complete all the necessary steps to transfer ownership of the property. While this process can take a long time with a traditional MLS listing, things are much faster with a direct sale to Homes By Cameron Stewart.
In this blog post, we’ll walk you through the typical steps of the escrow process and what homeowners can expect when selling a home in Rome. We’ll also discuss how a direct sale to Homes By Cameron Stewart can make the process much faster and less stressful.
Step 1: Opening Escrow
The escrow process begins once the buyer and seller sign a purchase agreement. At this point, the contract is submitted to the escrow company, which opens a file for the transaction.
Both parties receive instructions outlining required documents, deadlines, and next steps. This establishes a structured timeline and ensures everyone involved understands their responsibilities from the start.
Step 2: Title Review and Insurance
Next, a title search is performed to confirm that the property can legally be transferred. This review looks for unpaid taxes, liens, ownership disputes, or other issues that could delay or prevent closing.
Title insurance is then issued to protect both the buyer and lender from future claims. This step helps ensure that ownership will transfer smoothly and without legal complications.
Step 3: Property Inspection and Negotiations
Most buyers arrange for a professional home inspection after the title review is complete. The inspector evaluates major systems such as roofing, plumbing, electrical, and structural components.
If problems are discovered, buyers may request repairs, credits, or price adjustments. This often leads to additional negotiations, which can extend timelines and add uncertainty to the transaction.
Step 4: Appraisal and Loan Approval
If the buyer is using financing, the lender orders an appraisal to verify that the home’s value supports the agreed purchase price.
When an appraisal comes in below expectations, the transaction may require renegotiation, additional cash from the buyer, or further adjustments. Until this step is finalized, financing approval remains conditional.
Step 5: Satisfying Contract Contingencies
Throughout the escrow process, various contingencies must be fulfilled before moving forward. These may include:
- Loan approval
- Satisfactory inspection results
- Appraisal acceptance
- Clear title
- Sale of another property
The escrow company monitors these requirements and confirms when each has been satisfied. Delays at this stage are common, especially when multiple conditions are involved.
Step 6: Final Closing and Transfer of Ownership
Once all terms have been met, the transaction moves to closing. During this phase, final documents are signed, funds are distributed, and ownership is officially transferred.
After recording is complete, the buyer receives the keys and the seller receives proceeds from the sale. Only then is the escrow process considered finished.
Why Some Homeowners Choose to Sell Directly to Homes By Cameron Stewart
While the escrow process provides structure and protection, it can also introduce delays, uncertainty, and stress—especially when inspections, financing, or contingencies become complicated.
For homeowners seeking a simpler alternative, selling directly to Homes By Cameron Stewart offers a streamlined option.
Faster Closings Without Traditional Delays
When you work with Homes By Cameron Stewart, there is no need to follow the traditional timeline. Instead of waiting for financing approvals, inspections, and extended negotiations, you receive a direct offer and can close on your schedule.
In many cases, transactions are completed in a matter of days rather than months.
No Repairs, Updates, or Staging Required
Preparing a home for the open market often requires significant investment in repairs, upgrades, and presentation. These expenses can be burdensome, especially for properties in need of major work.
Homes By Cameron Stewart purchases homes in their current condition, eliminating the need for costly improvements or cosmetic updates.
No Agent Fees or Commission Costs
Traditional sales typically involve paying commissions to both the listing and buyer’s agents. These fees can significantly reduce your net proceeds.
With a direct sale to Homes By Cameron Stewart, there are no commission expenses, allowing you to retain more of your home’s value.
Reduced Risk of Deals Falling Through
Many conventional transactions fail during the escrow process due to financing problems, appraisal issues, or unresolved contingencies. These setbacks can force sellers to restart the entire process.
Direct sales offer greater certainty, minimizing the risk of unexpected cancellations and last-minute complications.
Choosing the Right Selling Strategy in Rome
Every homeowner’s situation is different. For some, a traditional listing makes sense. For others, speed, convenience, and certainty are higher priorities.
If you’re looking for a reliable alternative to the traditional escrow process, Homes By Cameron Stewart provides a straightforward solution designed around your timeline and goals.
Learn More About Your Options Today
If you’re considering selling your property in Rome and want to avoid delays, repairs, and prolonged negotiations, Homes By Cameron Stewart is ready to help.
📞 Call (315) 351-2765 today to learn more about your options and receive a no-obligation offer.
Let us help you move forward with clarity and confidence.