Wire Fraud Defense

Funds protected. Identities verified. Quietly.

Wire fraud is the single biggest threat to any closing today. Every wire we send is verified with the receiving party by phone before it leaves our trust account. Every party signing on a deed is identity-checked against the documents we hold. None of it shows up in your transaction — but all of it is happening, every file, every time.

  • CLTA premium on tiered schedule, auto-calculated
  • $2/$1,000 plus $250 base, split half on file
  • $1.10/$1,000 Santa Barbara transfer tax
  • HOA docs, warranty, repairs, prorations, reconveyance
805escrow
MR M. Reyes
File 805-26-1038
32 Humphrey Road,
Santa Barbara, CA 93108
Closing date: May 15, 2026
Send payment Wire instructions
Your tasks (3)
Verify your identity
Requested · Thur, May 1
Complete document
Buyer info sheet · Thur, May 1
Send cash-to-close
Requested · Thur, May 1
Progress tracker
File opened Apr 18
Identity verified Apr 22
What's next
Wire verification In progress
One Officer, One File

The same officer, start to recording.

When a file opens, an escrow officer is assigned. That officer reviews the contract, sets the disbursement schedule, runs the conditions, sits at the signing table, and disburses on the day of recording. Your agent, your buyer, your seller, and you are not handed off to a queue. You always know who is on the file.

  • Read by the officer on your file. Not outsourced.
  • Plain-English annotation of anything that affects closing
  • One-tap send to agents, lenders, counsel
  • Searchable file history across every order you've opened
Closing Cost Accuracy

Estimates that match the closing statement.

An estimate that's wrong by a thousand dollars two days before closing breaks trust. Ours are calculated against the actual title premium schedule, the actual transfer tax, the actual recording fees, and the prorations as of the contract date — so what you walk a client through up front is what they see at the table.

  • Current vesting, last sale, purchase price
  • APN, tax roll, parcel size, land use code
  • Six-month nearby sales within ± half-mile
  • Grant deed, CC&Rs, parcel map attached
app.805escrow.com / orders / 805-26-1038 / net-sheet
File 805-26-1038 · Seller net sheet
32 Humphrey Road, Santa Barbara
COE May 15
Sale price$6,975,000
Existing 1st loan payoff− $412,118
Commission · 5.0%− $348,750
County transfer tax− $7,673
City transfer tax− $76,725
Title premium · CLTA− $9,420
Escrow fee− $7,825
Recording & misc.− $1,245
Property tax proration− $26,000
Net proceeds
$6,381,244
5.0% · $6.97M Verified · 9:41 AM
OfficerMaren Holcomb
Issued04 / 18 / 26
§ 03 · Process

How a file is protected, from open to close.

Every file at 805escrow follows the same steady pattern. One officer, one file, one ledger every party can see. Opened the day it arrives, closed on the day the contract promised, with no surprises in between.

41min
Median time to open
94%
Files close on original date
1
Team per file, start to close
  1. 01
    Open
    Hour 0
  2. 02
    Prelim
    Days 1–4
  3. 03
    Escrow
    Weeks 2–4
  4. 04
    Signing
    COE − 3
  5. 05
    Close
    Day of COE

The order is opened the hour it arrives.

A file number is issued, an escrow officer is assigned, and the title search begins. Your client is a file, not a queue number. Opened carefully, from the start.

File issued

The preliminary report, explained clearly.

We review vesting, liens, easements, and exceptions, and tell you, in plain language, which items will matter at closing. Nothing surfaces for the first time in front of a buyer.

Exceptions flagged

Instructions, deposits, disclosures.

EMD is received, instructions are signed, prorations are drafted. Agent, buyer, and seller see the same numbers on the same ledger. No rekeyed figures, no version drift.

Ledger live

Signing the way clients prefer.

Mobile notary to the property, signing tables at our office, or secure remote signing for buyers out of state. Done by the officer on the file. Not a temp, not a third party.

Docs wet

Funds, record, and close.

Funds confirmed, deed recorded at the county, policies issued. The agent receives the closing statement, the buyer receives the keys, and your file is archived. Retrievable when you need it.

Recorded
§ 04 · App

The iOS companion. Built to make your closings cleaner, not to replace the phone call.

805escrow · Agent App

Quote, open, and follow up, on the go.

The five things producing agents actually need from their escrow desk: open an order, run a closing-cost estimate, pull a property profile, track file status, and message the officer on your file. No dashboards, no CRM bloat. When you need a human, the officer who opened your file picks up.

"It's the calm in the close. I send the address, the file is opened the same hour, and the same officer is there at signing. The estimate I quote and the closing statement match. That's how I keep clients."
Marisol Tena · Conejo Valley Realty

94
Agents in
beta
2.4k
Files opened
in-app · 2025
41s
Median time
to prop. profile
9:41
805escrow · Agent
2
805escrow
Good afternoon,
Eliot.
Three files are moving today. Two need your eye.
Open
5
In Escrow
$38.1M
Next Close
12d
Start a file
Seller Net Sheet
Buyer Net Sheet
Preliminary Title
Property Profile
In Progress
All →
Preliminary Title · File 805-26-1042
1890 East Valley Road Montecito
Seller Net Sheet · File 805-26-1038
32 Humphrey Road Montecito
Property Profile · File 805-26-1031
2815 Padaro Lane Carpinteria
Home
Files
2 Messages
Menu
Ready when you are

Send an address. We’ll take care of it.

Open an order Talk to us

An address, a sale price, and the two parties is all we need. Same-day file number. Same officer on the file from open to close. No surprises in between.