Escrow & Title
In Hawaii, an 'estoppel certificate' from a lender confirms:
AA. That the title is free of all defects
BB. The current balance, interest rate, and status of an existing loan, preventing the lender from later claiming different terms✓ Correct
CC. That the borrower has met all loan conditions
DD. That the escrow has been opened at the correct institution
Explanation
An estoppel certificate (or loan payoff statement) documents the exact current balance and terms of an existing loan, binding the lender to those terms and preventing future disputes.
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