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Making An Offer >Keeping Your Earnest Money Safe

When you make an offer on a house, it is accompanied by an earnest money check. Earnest money is intended to demonstrate that you are "in earnest" about purchasing the property. The earnest money check is made out to the listing company. What happens to this check?

The party holding the check acts as an escrow agent until you go into closing. At that time you will receive credit for the amount of your check against the down payment and closing costs. Real estate brokers are required by law to keep escrow funds in a special account. These funds cannot be used to pay any other expenses associated with the sale. If you don't complete the transaction, the purchase contract determines the disposition of your earnest money funds. Be sure to review this part of your contract with the real estate agent.

If you are in default on your agreement, the funds may go to the sellers, so be sure that you understand the deadlines in order to avoid breach of contract and forfeiture of your deposit. If you have any questions, be sure to ask your real estate agent for advice.

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Q	What document must lenders provide within three days of receiving your application for financing?
A	The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan.
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Home Advantage Realty

2615 Devine Street
Columbia, SC 29205

P: 803 771-2424
C: 803-608-4663
F: 803-771-2422

JillRMoylan@gmail.com

Jill Moylan, REALTOR®, real estate agent and broker for Columbia South Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

Jill Moylan, Owner of Home Advantage Realty, LLC
Home Advantage Realty, LLC
2615 Devine Street
Columbia SC 29205
Cell: 803-608-4663
803 771-2424
Fax: 803-771-2422
Email: JillRMoylan@gmail.com
Jill Moylan began Home Advantage Realty nearly two decades ago after recognizing a need for more personalized and responsive service in the Columbia, SC real estate industry. Since that time, she and her talented group of agents have provided high quality, professional service to hundreds of satisfied clients. With exceptional services for both buyers and sellers, we are dedicated to ensuring that we not only meet but exceed your expectations. Please call or e-mail us today if we can help you in any way. Our priority is understanding your priorities. There's a better way to buy a home than spending hours in a car and on the internet. Check out our testimonials from many satisfied clients! Experienced. Personalized. Professional. Since 1991.

www.HomeAdvantageRealty.com is brought to you by Jill Moylan
NUMBER1EXPERT™ in real estate for Columbia, South Carolina

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