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these are the Garfunkels they just tie the knot and are looking for the perfect hub before now the Garfunkels that only live with their parents survived dorm live for four years and leased a one-bedroom dump from that shifty landlord now that theyve found their dream home they suddenly realize that this whole home buying process is more complicated than they thought credit reports mortgages agents lawyers insurance inspections titles HOAs thats a lot of transactions too many for them to keep up with by themselves its enough to make you want to go back to the days of bartering goods and services but the problem with that is theres no safeguards to ensure that everyone keeps to their agreements well thats where escrow comes in what is escrow you ask escrow is like the hub of a wheel that brings all the parties together in a transaction its a neutral third party which holds all the money titles personal property or anything of value until all transactions are successfully complete