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The Garfunkels, newly married, are eager to buy their dream home but find the process more complicated than anticipated. Having previously lived with parents and in a subpar rental, they now face numerous elements in home purchasing, including credit reports, mortgages, agents, lawyers, insurance, inspections, titles, and HOAs. Overwhelmed by these many transactions, they reminisce about simpler times but realize the need for safeguards. Enter escrow, a neutral third party that acts as the central hub in a transaction. Escrow holds all money, titles, and valuable items until all parties successfully fulfill their agreements, ensuring a smooth process.