An escrow officer acts as an intermediary and neutral third party in real estate transactions between buyers and sellers. They are experts in complex real estate transactions and work closely with lenders, real estate agents, escrow assistants, lender institutions, and brokers. An escrow officer ensures the mortgage transaction is carried out correctly and holds a fiduciary responsibility to both parties of an escrow agreement. They are also responsible for monitoring the status of the escrow process, obtaining legal documents and title insurance, and seeing that escrow instructions are followed and lender requirements are met until closing documents are created in time for disbursing. Escrow officers are generally employees for a real estate broker, independent escrow company, or title company.