Escrow is the process in which an impartial third party acts as a stakeholder and facilitator for both you and the Seller. Fidelity National Title provides professional escrow settlement services that are a convenience for the buyer and seller.It's crucial to grasp all parts of the escrow process, from understanding purchase agreements to getting everything wrapped up at the final closing. Buyer's loan documents generally reach escrow 3-5 days prior to close. Any delays in these documents may result in a delayed closing. Escrow is a financial arrangement where a third party holds and regulates the payment of funds between the buyer and the seller. In every case, sellers are recommended to obtain insurance for their personal property, i.e. But what exactly does an escrow company do? When you purchase a home in the Santa Clara County area of Silicon Valley, the seller ordinarily pays for the owner's policy of title. 1. Security and Assurance: Escrow accounts provide a secure environment for the transfer of funds and documents.