Concierge Title of Texas, Houston TX

Offer accepted on July 2nd, earnest money and option fee delivered July 3rd, inspection on July 5th revealed major structural damage (dissolved contract), checks cleared my bank account July 6th, received email from title company stating that they had sent a check via Fedex that has a stop payment on it and cannot be cashed. Holding our funds for 7 days (minimum) and will reissue “as soon as we can. ” BEWARE! It is my understanding that the title company has 48 hours to return funds when the buyer dissolves the contract with just cause. I am tempted to attach the email but I think, instead, I will file a complaint with TDI (Texas Department of Insurance). I’ve never even heard of the earnest money being deposited during the option period (which makes sense when so many buyers walk cancel the contract).