How a Real Estate Investor Used an Owner-Occupied Hard Money Loan to Close in 72 Hours

In a competitive Phoenix deal an investor closed a purchase in 72 hours using owner occupied hard money loans to meet a seller deadline. This case study lays out the exact 72-hour timeline, concrete loan economics, the document checklist for occupancy verification, and the title, appraisal and escrow steps that had to be coordinated in real time. If you need rapid funding, this is a practical, step-by-step playbook you can apply to similar Sun Belt purchases.

1. Executive snapshot of the deal and outcome

Outcome: An investor closed a Phoenix single family purchase in 72 hours using an owner occupied hard money loan from Level 4 Funding, avoiding a 30 to 45 day conventional timeline and securing the deal the seller would otherwise have taken off market.

Deal at a glance

• One-line value proposition: Owner occupied hard money loans deliver faster underwriting by focusing on collateral and occupancy evidence rather than full income verification.
• Why this matters in Phoenix: In active Sun Belt markets speed is often the deciding factor; a 72 hour close wins contracts that conventional lenders lose.

Practical tradeoff: You get speed at a measurable cost – higher rates and fees than a conventional mortgage and only a short-term solution. Use owner occupied hard money for tactical wins, not as a permanent financing replacement.

Limitation to plan for: Occupancy verification is not just a checkbox. Lenders require a signed occupancy affidavit plus matching ID and a current utility bill or mail. If you misstate occupancy or patch documentation, you risk loan rescission and legal exposure. Always prepare genuine proof ahead of time.

Concrete example: A seasoned flipper agreed to close as owner occupant because the seller wanted occupancy assurances for a quick sale. The borrower moved personal effects into the property the evening of closing and provided a matching utility activation and signed affidavit to satisfy underwriting. That single, honest step removed a common occupancy hold-up and kept the timeline intact.

Real-world judgment: Owner occupied hard money loans work when the file is clean – clear title, verifiable occupancy, and a realistic as-is valuation. They fail for deals with title clouds, HOA complications, or when occupancy proof is improvised. If those risks exist, accept the slower but cheaper conventional route or plan an extra week for remediation.

Next consideration: If your deal is time sensitive, confirm title status and assemble occupancy documents before you sign the purchase contract; that single step is the difference between winning the deal and watching it go to someone willing to move faster.

2. Investor profile and property details

Investor profile: A seasoned Phoenix flipper with three completed flips used owner occupied hard money loans to win a time sensitive contract where the seller demanded a rapid close. The investor elected owner occupied status to shorten underwriting friction and meet the seller timeline, while planning a six month flip hold and immediate rehab.

Property snapshot

• Property type: Single family residence, 3 bed 2 bath
• Location: Maryvale neighborhood, Phoenix central corridor
• Year built: 1994
• Purchase price: $250,000
• As-is value used by lender: $260,000
• ARV: $325,000
• Estimated repairs: $35,000
• Planned hold: 4 to 6 months for rehab and resale

Key funding decision: The investor chose owner occupied hard money loans rather than a conventional investor loan because seller acceptance required a rapid close and the investor could credibly state intent to occupy immediately. That choice removed weeks of income documentation and put the underwriting focus on collateral value and a short occupancy verification bundle, which is exactly where private lenders can move faster than banks.

Tradeoffs and limitations: Owner occupied loans speed underwriting but add conditional requirements that matter in practice – signed occupancy affidavit, same day utility bill or transfer, and the appearance of bona fide intent to live on the property. Using owner occupied status can affect insurance classification and complicate plans to move contractors in or rent parts of the house during rehab. If a lender suspects misrepresentation the file can be held or recalled, so the tactic works when occupancy documentation is honest and arranged in advance.

Concrete example: The investor provided a valid drivers license with the target address, initiated a utility transfer the evening before closing, and signed an occupancy affidavit the morning escrow opened. Level 4 Funding accepted those documents plus the purchase contract and an as-is appraisal, cleared underwriting within 36 hours, and the investor closed and began rehab within three days. This was not a workaround; it was coordinated evidence of occupation that the lender could verify quickly.

Judgment call: Owner occupied hard money loans are a tool, not a loophole. In my experience in Phoenix market files they reliably shorten timelines when title is clean and the borrower can supply immediate occupancy proof. Where title clouds, HOA entanglements, or complex probate issues exist the time advantage disappears and a conventional or bridge strategy may be safer.

Next consideration: Before committing to owner occupied status confirm lender occupancy rules and check state guidelines at Arizona Department of Real Estate to avoid regulatory or insurance surprises; then get the occupancy documents into escrow the same day the contract is signed.

3. Why an owner occupied hard money loan made rapid closing possible

Core reason: owner occupied hard money loans shift the lender focus away from slow income and asset underwriting and onto the property as collateral plus simple occupancy proof, which materially compresses the approval path.

What underwriters actually do: instead of running full employment verification, tax transcripts, and months of bank statements, the underwriter validates as-is value, lien position, clear title, and evidence the borrower will occupy. That allows a private lender with an internal approval process to clear a file in hours rather than weeks.

Operational levers that speed closing

• Asset-first valuation: use of a broker price opinion or desktop appraisal to establish as-is value instead of waiting for a full appraisal appointment.
• Minimal borrower docs: driver's license, current utility bill, signed occupancy affidavit and earnest money receipt are usually sufficient to meet occupancy rules.
• Parallel processing: title search, valuation, and document preparation run simultaneously because income verification is not the gating item.
• In-house decisioning: small private lenders like Level 4 Funding make conditional approvals with a single underwriter sign-off instead of layered bank committees.

Tradeoff to accept: speed costs money. Expect higher interest and origination fees than a conventional lender, and a tighter window to exit or refinance. Fast funding is valuable when winning a deal or curing a contingency, but it must be priced into the rehab math and exit plan.

Practical limitation: occupancy verification itself can be a choke point if the borrower has no utility in their name or refuses to sign an affidavit immediately. Preparing transfer plans or having alternate proof ready is a small task that prevents a 24 to 72 hour file from stalling.

Concrete example: in the case study the investor produced a driver license and same-day utility bill transfer, the lender accepted a desktop valuation and started title concurrently. That removed the usual income-doc hurdle and let the lender wire funds within the 72 hour window.

What many investors misunderstand: speed is not automatic just because a lender advertises quick funding. The bottleneck is coordination. Lenders will fund fast when their checklist is pre-filled and title is clean. If you show up with missing occupancy proof or expect the lender to chase HOA estoppels for you, the timeline collapses.

Where to check constraints: confirm lender occupancy rules and state licensing guidance before relying on speed. See Level 4 Funding for lender parameters and consult the Arizona Department of Real Estate for local compliance considerations.

4. 72 hour timeline with responsibilities and timestamps

Fact: A true 72 hour close on owner occupied hard money loans requires parallel work, not sequential chasing. Lenders, title, appraiser and the borrower must be active at the same time and agree on strict cutoffs for deliverables.

Detailed 72-hour timeline

Practical insight: Set a hard wiring cutoff 4–6 hours before your target close time to allow title to confirm funds and submit recording. Many deals stall because the wire arrives after the title company bank cutoff or because escrow cannot verify the source of funds quickly enough.

• Escalation plan: Name one phone contact at each party and require a single-threaded group text — underwriter, title officer, escrow closer, investor, and listing agent. This avoids duplicated threads and prevents minute-long delays from stacking.
• Occupancy timing tradeoff: Proving owner occupancy fast usually needs a same-day utility transfer or a current utility bill in the borrower name. If that is not possible, expect a one- to two-day delay for alternate proofs; budget that into negotiations with the seller.
• Appraisal shortcut: Ask the lender in advance whether a desk appraisal or broker price opinion will be acceptable. Using a desk BPO can save 24 hours, but it increases risk if the field appraiser later reports materially different comps.

Concrete example: On one file a broker price opinion returned at hour 14 and the borrower emailed a scanned occupancy affidavit plus a same-day utility transfer at hour 16. That allowed underwriting to clear at hour 40 and funding at hour 68 — shaving roughly 24 hours off a conservative workflow.

Judgment from the field: Investors often underestimate administration friction — tiny missing documents or unverified wire instructions cause outsized delays. Treat the 72 hour target as a project with a timeline, checklists and named owners for each task rather than a hopeful expectation.

Who does what — rapid checklists for each party

1. Investor: Upload ID, utility bill, earnest funds receipt, sign occupancy affidavit, confirm contractor bids if needed.
2. Lender underwriter: Order appraisal/BPO within first 2 hours, validate occupancy docs, issue clear-to-close or list cure items.
3. Appraiser/BPO provider: Turn desktop BPO or inspection report within 12–18 hours; flag material repairs that affect as-is value.
4. Title/Escrow: Open escrow hour 1, deliver preliminary title within 12 hours, confirm wire cutoff and bank routing by hour 48.

If you want to prototype this in your next offer, include a short seller cooperation clause and name the lender you plan to use so title and seller are primed to respond. For underwriting specifics and lender parameters see Level 4 Funding and for Arizona licensing guidance check AZ Department of Real Estate.

Next consideration: Before you submit an application, confirm the title company bank cutoff, whether a BPO is acceptable, and have occupancy documents ready — these three checks make or break a 72 hour owner occupied hard money loan close.

5. Example loan economics and closing costs

Key point: owner occupied hard money loans buy speed, not margin. The financing math is concentrated in interest and origination fees, so every week on the timeline eats into profit unless your deal has a healthy spread.

Representative numbers – purchase only

Assumptions used: purchase price 250000, LTV 70 percent, loan amount 175000, interest 10 percent interest-only, origination fee 3 percent, closing costs 1500, hold 6 months. These are example terms consistent with regional hard money practice – actual offers vary by file and lender.

Concrete example: using the numbers above the borrower pays 5250 in origination plus 8750 in interest and roughly 1500 in closing costs for a 6 month hold. Total hard money financing cost is 15500 – that is money that must be absorbed by resale margin or covered by alternative liquidity.

How financing alters rehab profit

Quick math on exit: rehab 35000, ARV 325000, selling costs 6 percent (19500). Simple profit before financing = 325000 – 250000 – 35000 – 19500 = 20500. Subtracting the hard money costs of 15500 yields net profit about 5000. That turns a reasonable-looking flip into a marginal outcome.

Trade-off to watch: speed that wins a contract may destroy your return if the spread is narrow. In practice you need a minimum cushion – plan for financing to consume at least 10 to 20 percent of your gross flip margin when you use owner occupied hard money.

• What changes the math: higher interest rates, longer hold time, or a larger origination fee all steepen the cost curve quickly – a 2 percent higher rate on 175000 adds about 1750 per month to your interest burn.
• Mitigations that matter: negotiate origination fees, shorten the rehab timeline, use a partial draw or separate rehab facility, or push for a lower LTV so you reduce principal and interest exposure.
• Reality check: many investors underestimate the cash required at close – a 70 percent LTV still means 30 percent down plus rehab reserves. Have that cash ready or your apparent ROI evaporates.

Where to read more: for lender-level context see Level 4 Funding terms on their site at Level 4 Funding and a plain-language primer on hard money at Investopedia.

Next consideration: before you sign for speed, run a short sensitivity table – change hold time, interest rate and origination fee and see how quickly your profit shrinks. If one variable pushes your margin below your minimum return, walk the deal or renegotiate terms.

6. Document checklist and occupancy verification details

Key point: You must arrive at day zero with a single, validated packet of documents that proves identity, intent to occupy, and clean collateral. Anything missing or ambiguous forces a title or underwriting hold and kills a 72 hour close.

Core document checklist to hit 72 hours

• Purchase contract: fully executed PDF with all initials, seller contact info, and earnest money clause.
• Photo ID: investor drivers license or state ID – provide front and back scans if requested.
• Occupancy evidence: current utility bill or cellular bill in the borrower name at the subject property, or utility transfer receipt dated within 7 days.
• Signed occupancy affidavit: lender specific wording signed and dated; do not substitute with an email confirmation.
• Earnest money proof: cleared escrow deposit receipt or bank screenshot showing transfer to title escrow.
• Bank statement: one recent statement showing funds for reserves and closing – redacted as needed but leave name and balances visible.
• Contractor scope and bid: itemized scope of work and contractor license or insurance if rehab funds are part of the loan.
• Title vesting instructions: how borrower will take title and whether any other parties are on title.
• Insurance binder: proof of homeowners coverage or binder ready to issue at closing with occupancy noted.
• Prior mortgage statements: payoff information for any encumbrances on the property or seller payoff demands if seller is carrying financing.

Practical insight: Lenders will accept a recent utility bill emailed by the borrower but will also cross check for name match and service history. The fastest, least disputable option is a same day utility transfer receipt or a utility account activation emailed from the utility company to the borrower.

Common title items that stop a rapid close and what to do

• Recorded judgments or tax liens: obtain payoff demand and written release; if payoff is small negotiate short payoff escrow instruction.
• Mechanic liens: secure contractor release or lien waiver and a contractor payoff escrow line item.
• HOA issues: order an estoppel early and be prepared to pay expedited estoppel fees; confirm no special assessments.
• Probate or estate vesting: do not attempt a 72 hour close on probate properties unless an executor has clear authority and title attorney signoff.

Limitation and tradeoff: Rapid cures often cost money – expedited estoppels, same day payoff wiring, or lien waiver retrieval incur fees. Those fees reduce your margin and sometimes push a deal from workable to marginal. Decide in advance how much you will spend to save time.

Sample investor scripts to keep parties aligned

Phone script to title officer: Hello, this is [Investor Name] on the [Property Address] file. I am closing on an owner occupied hard money loan with Level 4 Funding and need the preliminary title report and payoff demand by end of day. Please confirm estimated time for the title report and any exceptions that require cure. My direct cell is [number].

Email to seller and title: Subject: Required items to close by [date]. Hello, attached are the executed purchase contract and our lender contact. Please send any payoff statements, HOA contact for estoppel, and proof of vendor payments for last 12 months. We will wire earnest money to your escrow upon receipt of wire instructions. Thank you.

Concrete example: In the case study deal the investor uploaded a utility transfer receipt and a signed occupancy affidavit within two hours of application. Title showed a small contractor lien; the investor provided a contractor signed lien waiver and a short payoff instruction the same day. That paired documentation prevented a title exception and allowed underwriting to clear funds on schedule.

Do not assume emailed documents are enough – lenders will verify. Proactively get originals or verifiable receipts for utility transfers, lien releases, and earnest money.

Next consideration: Before you push a seller for a 72 hour close confirm in writing who will pay expedited costs and how those costs will be treated in closing adjustments.

7. Common obstacles in rapid owner occupied closings and how they were resolved

Top chokepoints: rapid owner occupied closings fail for predictable reasons — title issues, valuation delays, and occupancy verification problems. Address those three well and you’ll remove 80 percent of the risk that turns a 72 hour close into a 30 day slog.

Title clouds and recorded liens

Problem: a recorded mechanic lien or judgment appears on the preliminary title after escrow opens and before funding. Left unresolved this stalls funding or forces renegotiation.

Resolution: require a current title commitment at application and instruct the title officer to flag any unbondable items immediately. When the case study file hit a $7,420 mechanic lien, the title officer obtained a payoff demand, the seller agreed to clear via escrow payoff, and the lender approved a same-day conditional wire once the release was recorded. This took 16 hours instead of derailing the close.

Practical trade-off: curing a lien through seller payoff or escrow holdback speeds closing but increases closing complexity and may add endorsement fees. If the seller will not or cannot cure, do not accept verbal promises — require recorded releases or escrowed payoff funds.

Appraisal and valuation bottlenecks

Problem: traditional full appraisals can take 3+ days and appraiser schedules are a common single-point failure in a 72 hour plan.

Resolution: use a desktop appraisal or a broker price opinion (BPO) that the lender will accept with a documented comp package and an appraiser review. In the case study, the appraiser assigned a desk appraisal with photos and a comp grid; underwriting accepted it but reduced allowable LTV from 70 percent to 65 percent until a full appraisal could be delivered post-close.

Consideration: accepting desktop valuations speeds funding but usually costs you leverage or increases rate. That trade-off is worth it when the deal margin covers the reduced LTV — not when it squeezes your profit.

Occupancy verification and seller skepticism

Problem: sellers or HOA boards question owner occupied status and threaten to delay signing or provide incomplete documentation.

Resolution: supply a signed occupancy affidavit, a current utility bill or proof of utility transfer, and a photo ID immediately. In one file the seller refused to accept the buyer's affidavit until the buyer arranged a same-day utility account transfer and provided a move-in photo; that cleared seller concerns and the title officer accepted the package that afternoon.

Judgment: owner occupied shortcuts invite regulatory and fraud scrutiny. Verify occupancy with at least two independent items (ID plus utility or landlord statement) — faster, but not laxer, verification.

Other friction points and simple fixes

• HOA estoppel delays: order estoppel at application; if the HOA is slow, negotiate an escrow holdback for outstanding estoppel fees.
• Wire fraud risk: always confirm wire instructions by calling the title officer on a verified phone number; never rely solely on an emailed instruction from an unverified address.
• Insurance binder timing: get a pre-issue binder staged with your insurance broker as soon as underwriting clears so policy issuance does not hold the funding.

Concrete example: When a 72 hour file hit a delayed condo estoppel, the buyer authorized the lender to fund with an escrow holdback equal to the estoppel amount. The title company accepted the holdback, escrow closed within 48 hours, and the estoppel cleared two weeks later — the buyer paid the estoppel cost from rehab proceeds. That choice cost the borrower a small holdback fee but preserved the deal.

Final thought: speed requires prepared compromises. You can trade LTV, accept temporary holdbacks, or pay for faster valuation work — but do not trade proper releases or verification. The right quick-close playbook replaces uncertainty with predictable, documented trade-offs.

8. Compliance and risk considerations for owner occupied hard money loans

Occupancy verification is not paperwork theater; it is a control point that can void a loan or trigger regulatory scrutiny. Lenders rely on occupancy attestations because owner occupied status changes underwriting, pricing, and sometimes state licensing exposure. If occupancy is misrepresented – intentionally or accidentally – the lender faces fraud risk and the borrower faces contract and insurance consequences.

Key compliance failure modes and what they cost you

Practical limitation: owner occupied status speeds underwriting only when proof is immediate and convincing.** If the borrower promises to move in next week without transfer of utilities, expect the lender to push back or add conditions. In practice, lenders want evidence that occupancy will be real and sustained for their required period – often 30 to 90 days – otherwise the perceived benefit evaporates.

Concrete example: An investor closed on a Phoenix flip using an owner occupied hard money loan and provided a signed occupancy affidavit plus same-day utility transfer. The insurer initially priced the policy as owner occupied but, after a routine audit found the property uninhabitable during rehab, the insurer reclassified the policy and demanded additional premium. The investor had to produce contractor invoices and photos to maintain coverage and avoid a claim denial.

• Action step: Get a written occupancy plan signed by borrower and seller that states move-in date, who will live on-site during rehab, and contingency if occupancy is delayed.
• Action step: Notify your insurance broker before closing and secure an endorsement that covers the rehab period; do not assume standard homeowner policies cover construction work.
• Action step: Run the title early and treat any third-party liens as showstoppers unless paid at or before closing.

Judgment: Owner occupied hard money loans are a pragmatic shortcut, not a legal loophole.** They work when documentation is clear, the occupancy claim matches observable facts, and the borrower accepts extra operational friction – for example temporarily living onsite or transferring utilities. Trying to game occupancy to get faster funds is a high-risk, low-reward move in real transactions.

Next consideration: before committing to owner occupied status, weigh the operational trade-offs – insurance complexity, possible delay in rehab work, and stricter documentation – against the speed advantage. If any of those trade-offs are unacceptable, plan on a standard investor hard money route instead.

9. Actionable playbook: how other investors can replicate a 72 hour close

Start with a decision checklist. Before you sign another purchase contract, confirm you can meet three non negotiables: a clean title window, seller cooperation to sign loan-related docs quickly, and immediate access to earnest money. If any of those are weak, do not rely on a 72 hour close.

Day zero folder and file naming convention

Folder structure speeds underwriting. Create a single zipped folder labeled with the property address and a consistent file order so an underwriter or title officer can scan in one pass. Use filenames that start with numbers so sorting shows priority.

• 01_Contract.pdf – fully executed purchase contract and any addenda
• 02_ID.pdf – front and back of borrower drivers license
• 03_EarnestMoney.pdf – receipt or wire confirmation
• 04_UtilityBill.pdf – current bill showing occupancy address
• 05_BankReserves.pdf – one month bank statement to show reserves
• 06ScopeBids.pdf – contractor scope if rehab funds are requested
• 07AffidavitOccupancy.pdf – signed by borrower

Practical insight. Underwriters hate hunting for files across email chains. The time you save by pre-organizing documents is converted directly into faster clear-to-close decisions.

Contract negotiation moves that enable speed

1. Shorten contingency windows. Set inspection and financing contingencies to 24 to 72 hours and put a firm deadline for signature cooperation by seller.
2. Seller cooperation clause. Add language requiring seller to sign loan or payoff related documents within 24 hours of request – or the buyer may terminate.
3. Earnest money timing. Agree to wire earnest money within 12 hours of mutual execution and name the title company up front to avoid later change.

Tradeoff to recognize. Aggressive contingency timing improves your chance to close fast but reduces time to discover hidden issues. Use short windows only on clean title deals or when you can accept quick walk if a cloud appears.

First call checklist for Level 4 Funding or any private lender

What to ask on the first call. Get clear answers to these ten items and record them in your file. They are the levers that determine whether 72 hours is realistic.

• Maximum LTV for owner occupied hard money loans and whether repairs reduce advance percentage
• Exact occupancy documents required and acceptable alternatives
• Appraisal method – BPO, desktop, or full appraisal – and expected turnaround hours
• Typical underwriting SLA for a clean file and the hours when funding wires are released
• Complete fee breakdown and whether any fees can be rolled into the loan
• Preferred title companies and escrow officers with direct wire contacts
• Conditions that will automatically pause funding (mechanic liens, probate, HOA issues)
• Whether the lender will accept e signed occupancy affidavits and notarization preferences
• Escrow account wiring instructions and what verification documents escrow will require
• Name and direct contact for the underwriter or processor assigned to your file

Concrete example: An investor called Level 4 Funding and confirmed a 70 percent LTV, a desktop appraisal option, and a willingness to accept a same day utility bill plus occupancy affidavit. With that confirmation in writing and the folder ready, the lender issued preliminary approval within six hours and funding followed in 72 hours.

Coordination workflow. Assign a single point person on the transaction – often the investor or a transaction manager – whose job is to drive the checklist, chase signatures, confirm wires, and escalate any title exceptions immediately to the lender and title officer.

Next consideration. If you plan to scale rapid closes, invest in a templated closing binder and a short vendor list of title officers and appraisers who have proven they can meet the same-day turnaround you need. For lender specifics see Level 4 Funding and for state licensing guidance see Arizona Department of Real Estate.

10. Appendix: sample timeline template, signature checklist and sample email to title

No surprises template. This appendix gives a compact, actionable timeline you can print, a tight signature checklist to eliminate last minute hold ups, and a plug and play email to send to title and escrow to force alignment on wire timing and document delivery.

72 hour timeline template (printable)

Signature checklist for borrower and seller

• Borrower ID: government issued driver license matching occupancy affidavit name
• Occupancy affidavit: borrower initials each page and signs at the end; notarize if required by lender
• Loan disclosures: initial next to the rate, fee and prepayment sections, sign where indicated on signature page
• HUD or Closing Statement: review line items, initial any adjustments, sign final signature block
• Wire instructions acknowledgement: sign or email a direct acknowledgement to escrow with copy to lender and broker
• Utility transfer evidence: screenshot or confirmation number if utilities transferred that same day for occupancy proof

Practical tradeoff: eSign speeds everything, but some sellers or county recording offices require wet signatures or original notarizations. Confirm with escrow early whether eNotary is accepted and have a courier plan ready if it is not.

Sample email to title and escrow officer

Subject: Urgent Funding Coordination for 72 Hour Close at 123 Main St – Wire and Doc Timeline

To: [Escrow Officer Name] <[email]>
Cc: [Lender Contact] <[email]>, [Borrower] <[email]>

Body:
We are working to fund an owner occupied hard money loan and need confirmation on the items below to meet a funding window by 4pm three days from now. Please reply with timestamps or completed items.

1) Preliminary title report delivered and no title exceptions other than standard utility easements. If exceptions exist, list exact cure steps and ETA.
2) Earnest money receipt received and cleared by your bank. Provide date/time cleared.
3) Wire routing and beneficiary name for funding bank. Confirm wire cutoff time for same day credit.
4) Escrow contact and direct phone for signing party and notary availability for evening or weekend if needed.
5) Recording office cutoff time and whether electronic recording is available for this county.

We will send loan docs for eSign at 10am tomorrow pending your confirmation. Escalation contact for funding day will be [Lender Funding Officer] at [phone]. Reply with confirmed items and any showstoppers.

Thanks,
[Broker or Borrower Name]
[Phone]

Important: Always confirm the escrow company accepts funding wires from the lender bank. A mismatch in receiving bank or beneficiary name is the most common last minute failure that kills a 72 hour close.