escrow problem

​过户中请避免可能遇到的延误

The ones with asterisks (*) are potential sale-killers.​

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Lender Problems:

• Lender does not properly pre-qualify borrower. 2 weeks*

• Lender decides last minute they don't like borrower. 2 weeks*

• Lender decides last minute they don't like property. 2 weeks*

• Lender wants property repaired or cleaned prior to close. 1 to 3 weeks

• Drawing Fees: Deed, Private Notes & Deeds of Trust

• Lenders Fees: May include loan origination fee, appraisal fee, credit report, tax service fee, prepaid interest, processing fee, document prep fee

• Lender raises rates, points, or costs. 2 weeks*

• Borrower does not qualify because of a late addition of information. 2 weeks*

• Lender requires, last minute, a re-appraisal. 2 weeks

• The borrower does not like the fine print in the loan documents. 3 days*

• Lender loses file. 1 to 3 weeks

• The lender does not simultaneously ask for information from the buyer, they ask for information in bits and pieces. 1 to 4 weeks

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Buyer's Agent:

• Won't return phone calls. 1 to 3 weeks

• Transfers to another office. 1 week

• Did not verify the client's sincerity. 2 weeks*

• Goes on vacation and leaves no one to handle file. 1 to 4 weeks

• Does not understand or lacks experience in real estate. 1 week*

• Poor people skills or poor relationship with their client. 1 to 3 weeks

• Gets client upset over minor points. 1 to 3 weeks

• Does not communicate with their client. 1 to 4 weeks

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The Buyer:

• Did not tell the truth on the loan application. 1 week*

• Did not tell the truth to their agent. 1 week*

• Submits incorrect tax returns to lender. 4 weeks*

• Lacks motivation. 1 week*

• Source of down payment changes. 1 week*

• Family members do not like purchase. 1 week*

• Is too picky regarding condition. 1 week*

• Finds another property that is a better deal. 4 weeks*

• They are "nibblers." (Always negotiating) 1 week*

• The buyers bring an attorney into the picture. 2 weeks*

• They do not execute paperwork in timely matter. 3 weeks*

• They do not deliver money in a "check cleared" fashion to the closing agent. 1 to 2 weeks*

• Job change, illness, divorce, or other financial setback. 3 weeks*

• Comes up short on money. 1 week*

• Does not obtain insurance in a timely manner. 1 to 4 weeks

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Escrow Officer

• Fails to notify agents of unsigned or unreturned documents so that the agents can cure the problems. 1 week*

• Fails to obtain information from beneficiaries, lien holders, title companies, or lenders in a timely manner. 1 week*

• Lets principles leave town without getting all necessary signatures. 1 to 2 weeks*

• Incorrect at interpreting or assuming aspects of the transaction and then passing these items on to related parties such as lenders, attorneys, buyers, and sellers. 1 week*

• Too busy. 1 to 3 weeks

• Loses paperwork. 1 to 3 weeks

• Incorrectly prepares paperwork. 1 to 3 weeks

• Does not pass on valuable information. 1 to 4 weeks

• Does not coordinate well so that many items can be prepared simultaneously. 1 to 4 weeks

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Seller

• Loses motivation (i.e., job transfer did not go through, etc.) 1 week*

• Illness, divorce, etc. 1 week*

• Has hidden defects that are subsequently discovered. 1 week*

• Unknown defects are discovered. 1 week*

• Home inspection reveals small defects that the seller is unwilling to repair. 1 week*

• Gets an attorney involved. 1 week*

• Removes property from the premises that weeks the buyer believed was included. 1 to 3 weeks

• Is unable to clear up problems or liens. 1 week*

• Last minute liens are discovered. 1 to 3 weeks

• Seller did not own 100% of property as previously disclosed. 1 week*

• Seller thought the partners signatures were "no problem" but they were! 1 week*

• Seller leaves town without giving anyone power of attorney. 1 to 3 week

• The notary did not make a clear stamp when notarizing the seller's signatures. 3 days to 1 week

• Seller delays the projected move-out date. 1 week*

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Acts of God:

• Earthquake, tornado, fire, slides, etc. 1 week*

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Appraisal Problems:

• The appraiser is not local and misunderstands the market. 1 to 3 weeks

• No comparable sales available. 1 week*

• Appraiser delays (too busy) 1 to 3 weeks

• Incorrect appraisal. 1 to 3 weeks

• Appraisal is too low. 1 week*

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Inspection Company:

• Too many issues called out. 1 day*

• Scares buyer. 1 week*

• Infuriates seller. 1 week*

• Makes mistakes. 1 to 4 weeks

• Delays report. 1 week*

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Title Company:

• Does not find liens or problems until last minute. 1 week*

• Does not bend rules on small problems. 1 to 3 weeks

• Poor service. 1 to 3 weeks

• Loses paperwork. 1 to 2 weeks