What Are Escrow Services in Denver, Colorado?

Jerad Larkin
Oct 9
3 min read

Introduction: A Common but Confusing Term

If you’re preparing to buy or sell a home in Denver, you’ve probably come across the term “escrow services.” Many homeowners ask: “What exactly are escrow services in Denver, Colorado, and why are they important?”

Learn about escrow services in Denver, Colorado. Jerad Larkin and Chicago Title Colorado explain how escrow protects buyers, sellers, and lenders.

Escrow services are a vital part of the real estate process. They ensure that money, documents, and keys are handled securely and fairly until every condition of the transaction has been met. In this blog, we’ll explain how escrow works in Colorado, why it’s crucial for buyers and sellers, and how Jerad Larkin and Chicago Title Colorado provide trusted escrow services across Denver, Colorado Springs, and the Front Range.

What is Escrow in Real Estate?

Escrow is the process of placing funds and important documents in the care of a neutral third party - usually a title company - until all parts of the real estate transaction are completed.

In Denver, escrow services typically include:

Holding the buyer’s earnest money deposit.
Collecting funds from the buyer’s lender.
Safeguarding the seller’s signed deed until payment is confirmed.
Distributing funds to the seller, lender, and any other parties after closing.

Why Escrow Services Are Important in Colorado

Escrow ensures that:

Buyers don’t lose money if the seller fails to meet obligations.
Sellers don’t transfer ownership without receiving payment.
Lenders are protected by ensuring all documents are signed before funds are released.

This neutral third-party system builds trust and keeps real estate deals running smoothly.

Step-by-Step: How Escrow Works in Denver

Earnest Money Deposit – The buyer submits a deposit, which is placed in escrow.
Title Search & Insurance – The title company investigates ownership and issues a title commitment.
Loan & Closing Preparation – The buyer’s lender sends funds to escrow.
Closing Day – Documents are signed by buyer and seller.
Funds Released – The title company distributes money to the seller and other parties.
Recording – The deed and mortgage are recorded with Denver County, officially transferring ownership.

Escrow Services vs. Title Insurance

While related, escrow services and title insurance are not the same thing:

Escrow services handle the money and documents.
Title insurance protects against ownership disputes, liens, or other title issues.

Together, they provide complete protection for buyers, sellers, and lenders.

Local Expertise: Escrow in Denver vs. Colorado Springs

Denver: Fast-paced closings in a competitive urban market.
Colorado Springs: Heavy presence of VA loans and military relocations, where timing is critical.
Front Range Suburbs: Varied pace with different county recording processes.

Having a title company experienced across all these markets is essential.

Why Choose Chicago Title Colorado for Escrow Services?

Jerad Larkin and Chicago Title Colorado stand out because they offer:

Secure escrow management backed by national resources.
Clear communication to buyers, sellers, and agents throughout the process.
Tools for agents like property books, O&E reports, and farming data.
Educational support through workshops and events that empower agents and homeowners.

Real-Life Examples

A Denver buyer’s escrow was managed seamlessly, even when their lender funds arrived late - thanks to Chicago Title’s communication and coordination.
A Colorado Springs military family appreciated Chicago Title’s reliable escrow handling during a tight PCS move.
Agents across the Front Range consistently report smooth closings with Chicago Title escrow services.

Conclusion

So, what are escrow services in Denver, Colorado?

They are the safeguard of the real estate process, ensuring funds and documents are protected until both buyer and seller meet every condition of the deal. With Jerad Larkin and Chicago Title Colorado, you get not only secure escrow services but also expert support, local knowledge, and a trusted partner for every closing.