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The Garfunkels, a couple who just got married and bought their dream home, are overwhelmed by the complex home buying process involving credit reports, mortgages, agents, lawyers, insurance, inspections, titles, and HOAs. With too many transactions to manage on their own, they are relieved to discover escrow, a neutral third party that holds money, titles, and personal property until all transactions are successfully completed. Escrow acts as the hub of a wheel, bringing all parties together in a transaction and ensuring agreements are kept without the need for bartering goods and services.
