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[Applause] [Music] hey folks Todd Tremonti here with market experts Realty in the Tatra Monty home selling team with another weekly Q&A video this week our question is what is an escrow account now this word escrow gets used a lot throughout a purchase or sale or even an investment transaction and it can be used in a few different ways today we're going to focus on this idea of an escrow account and I'll give you a little bit of context around kind of when that would be used and why but the short answer to the question is an escrow account is a bank account that holds funds in sort of a neutral third party type situation in Texas most escrow accounts are really managed through title companies in a residential transaction and it's where money like earnest money would be held now we have another video on what is earnest money so I won't get into that too much but it's money that's being held kind of in between the buyer and the seller and and those funds what's done with them is dictate...