Contracts

What is 'closing in escrow' and how does Hawaii's escrow process protect both parties?

AA. A closing where the buyer and seller meet in person with the escrow officer
BB. A process where an independent escrow holder collects all documents and funds, verifies conditions are met, and disburses funds simultaneously—protecting both parties from default risk✓ Correct
CC. A closing method used only for commercial real estate in Hawaii
DD. A type of closing where the agent, not the escrow company, handles all funds

Explanation

Closing in escrow uses a neutral third party (escrow company) to hold documents and funds, verify all conditions are satisfied, and simultaneously disburse proceeds and transfer title. Neither party can access the other's consideration until all conditions are met. This protects the seller from giving the deed without receiving funds, and the buyer from losing money without receiving clear title.

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