Secure Loan Escrow Services Across California for Private and Personal Lending
Whether you're lending money to a family member, securing financing for a business partner, or managing a complex real estate-backed note, loan escrows protect everyone involved. At Sepulveda Escrow Corporation, we provide trusted loan escrow services throughout California, including Los Angeles, Orange County, Ventura, San Diego, and the Inland Empire.
As a
licensed, independent escrow company operating since 1960, we serve as a neutral third party to safeguard funds, enforce agreed terms, and ensure all legal requirements are met before money changes hands. Our clients include individuals, business owners, real estate investors, attorneys, and private lenders seeking a secure and compliant transaction process.
What Is a Loan Escrow and Why Is It Important?
In any loan arrangement—especially one that’s
private or non-institutional—trust and documentation are critical. A loan escrow provides an impartial, secure space where funds can be held while both borrower and lender complete the terms of their agreement.
How Sepulveda Escrow Protects Loan Transactions
- We receive and hold loan funds in a secure trust account
- We verify loan documents and review promissory notes or security instruments
- We only disburse funds once all agreed-upon terms and conditions are met
- We provide a transparent and trackable process that protects both parties
This reduces the risk of miscommunication, fraud, or default and ensures everyone is on the same page from the start.
Types of Loan Escrows We Handle Across California
Every loan is unique. Whether it's a simple personal loan between friends or a multi-party agreement involving collateral and liens, Sepulveda Escrow has the experience and systems in place to support it.
Secured Loan Escrows
Secured loans involve collateral—often real estate or personal property. We coordinate with title companies, attorneys, and lienholders to ensure proper documentation and legal compliance before disbursement.
Private Real Estate Loan Escrows
For real estate-backed loans made outside of traditional banks—like a seller-financed home in San Diego or a private hard money loan in Los Angeles—we manage the escrow of funds and ensure the note and deed of trust are recorded properly, when applicable.
A Step-by-Step Look at Our Loan Escrow Process
At Sepulveda Escrow, we believe in clarity at every stage. Here’s what our loan escrow process typically looks like.
Step 1 – Opening Escrow
Once the borrower and lender agree to the loan terms, we open escrow and request a copy of the signed loan agreement or promissory note.
Step 2 – Document Review & Preparation
We review all submitted documents and request additional information as needed. If the loan is secured, we coordinate with a title company or attorney to ensure proper liens or deeds of trust are recorded.
Step 3 – Holding & Safeguarding Funds
Loan funds are wired or deposited into our secure, regulated escrow account, where they remain until all required conditions are fulfilled.
Step 4 – Final Disbursement and Escrow Close
Once all documents are in order and any required conditions have been met, we disburse the funds according to your instructions. We provide a closing statement and confirm the escrow is officially complete.
Why Lenders and Borrowers Trust Sepulveda Escrow
Loan escrows can be simple or complex—but they’re always serious. That’s why lenders and borrowers across California choose us for our consistency, transparency, and personalized service.
Licensed by the DFPI
We are fully licensed and regulated by the Department of Financial Protection and Innovation, ensuring compliance with California’s escrow laws.
Experienced in High-Stakes Transactions
From small unsecured loans to complex real estate financing deals, our team has managed thousands of escrow accounts since 1960.
Transparent Communication
We don’t keep you guessing. Our team communicates proactively and clearly so all parties feel informed and secure.
Serving All of California, With Experience You Can Count On
We work with clients from all walks of life—investors in Orange County, family members lending in Riverside, attorneys representing clients in San Diego, and independent contractors securing financing in Los Angeles.
No matter your location or the size of your loan, our team brings the same care, security, and professionalism to every escrow we manage.
Ready to Open a Loan Escrow? Let’s Talk.
Loan deals can get complicated—but your escrow shouldn’t be. Trust Sepulveda Escrow to keep your transaction secure, legal, and on track.
Contact Sepulveda Escrow to Open a Loan Escrow
- Ask questions about the escrow process with no pressure
- Speak directly with an experienced California escrow officer
- Get started with a team that treats your funds and documentation like our own