Pacific Homeland Escrow

What Pacific Homeland Escrow does

Pacific Homeland Escrow, Inc. is an independent escrow company founded in 2015 and headquartered in San Diego, California, operating under license from the California Department of Business Oversight (DBO) with EAFC fidelity bond coverage. The firm provides neutral third-party escrow services for real estate transactions across eight categories: residential, commercial, business opportunity/bulk sales, 1031 exchange, seller carry-back, investment property, FHA/VA financing, and vacant land. It serves individual buyers, sellers, and investors as well as commercial counterparties within San Diego County and the broader California market, with an emphasis on transaction coordination, document handling, fund disbursement, and recording with the County Recorder's office.

The business is co-owned by James Yi, an entrepreneur with prior management experience at Samsung, LG, and ZTE USA who leads marketing and sales, and Michele Kibbe, a Certified Escrow Officer with escrow experience since 1985 and California Escrow Association Board service. Revenue is generated through transaction-based escrow fees regulated by California, with go-to-market driven by direct engagement with San Diego real estate professionals, agent referrals, and Korean-community networks built via AREAA affiliation. The technology stack consists of a modern escrow transaction management platform focused on security and regulatory compliance, with no disclosed AI, API, or proprietary software components beyond standard industry tooling.

Customer concentration is geographic rather than account-based, with all operations routed through a single San Diego office. The firm holds no institutional funding, has no disclosed parent company, and operates with a 1-10 employee headcount range, positioning it as a small, owner-operated independent escrow shop competing against larger California escrow and title operations.

Name

Pacific Homeland Escrow

Legal name

Pacific Homeland Escrow, Inc.

Website

https://phescrow.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Pacific Homeland Escrow is a DBO-licensed independent escrow company in San Diego providing neutral third-party escrow services for residential, commercial, 1031 exchange, and specialty real estate transactions across San Diego County.

Ownership category

akta.pro rank

Product category

Real Estate Escrow Services

akta.pro industry

PRIMARYBPAJAOAD

Escrow Services

Business & Public Services/Real Estate Services (Brokerage, Property Management)/Real Estate Transaction Services (Escrow, Title & Closing Coordination)

SECONDARYFSALAEAI

Escrow Administration (Tax/Insurance) & Payments Processing

Financial & Insurance/Mortgage & Housing Finance/Mortgage Servicing & Subservicing

Keywords

• Real estate escrow
• Escrow services
• Property closing
• 1031 exchange
• Title escrow

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Escrow Services Fees: Pacific Homeland Escrow generates revenue through fees charged for escrow services on real estate transactions. As an independent escrow company in California, they act as a neutral third party holding funds and documents during property transactions, earning fees based on transaction value and complexity.
2. Refinance Escrow Services: Fees for escrow services associated with mortgage refinancing transactions, where the company coordinates documents and funds between lender, borrower, and other parties.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Pacific Homeland Escrow is an independent, full-service escrow company that acts as a neutral third-party escrow holder for real estate transactions. It delivers end-to-end escrow processing across residential, commercial, 1031 exchange, investment property, FHA/VA-financed, vacant land, business opportunity/bulk sale, and seller carry-back transactions, including document handling, fund disbursement, and recording coordination with the County Recorder's office in compliance with California DBO regulations.

Product overview

Pacific Homeland Escrow is a single, unified full-service escrow company offering a comprehensive suite of escrow services for real estate transactions in San Diego County. The company provides eight distinct escrow service categories: Residential Real Estate, Commercial Real Estate, Business Opportunity/Bulk Sales, 1031 Exchange, Seller Carry-Back, Investment Property, FHA/VA Financing, and Vacant Land. All services operate under a single integrated offering, with escrow officers managing the entire closing process including document signing coordination, lender funding verification, and Grant Deed recording at the County Recorder's office.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Real Estate Escrow Escrow services for residential property transactions, managing the entire closing process from the buyer/seller agreement through Grant Deed recording at the County Recorder's office. Intended for individual buyers and sellers of homes in San Diego County, including FHA and VA-financed transactions.
• Commercial Real Estate Escrow Escrow services for commercial property transactions, managing the closing process for business and commercial real estate acquisitions, sales, and exchanges. Targeted at commercial real estate investors and businesses handling larger, more complex transactions.
• Business Opportunity / Bulk Sales Escrow Escrow services for business opportunity and bulk sale transactions, supporting the sale of business assets and bulk transfer of inventory or goods under California escrow regulation.
• 1031 Exchange Escrow Escrow services that facilitate 1031 tax-deferred exchange transactions for investment properties, helping property owners defer capital gains taxes by coordinating exchange requirements and IRS-mandated timelines.
• Seller Carry-Back Escrow Escrow services for seller-financed transactions in which the seller carries back a note, managing documentation and fund flow between seller and buyer on non-traditional financing arrangements.
• Investment Property Escrow Escrow services for investment property transactions, providing flexible escrow solutions for unique financing structures common to investment real estate.
• FHA / VA Financing Escrow Escrow closing services for properties financed through FHA or VA loan programs, handling program-specific documentation and lender coordination for government-backed residential financings.
• Vacant Land Escrow Escrow services for unimproved land transactions, supporting the closing of vacant land purchases and sales in San Diego County.

Quantifiable outcome

• Smooth, expertly handled transactions from start to finish

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record.

• California Escrow Association (CEA)Others · 1 January 2016Pacific Homeland Escrow maintains membership in the California Escrow Association, the leading professional organization for escrow professionals in California. President Michele Kibbe served on the CEA Board of Directors and was slated to be 2017 CEA President, demonstrating deep industry leadership and commitment to the escrow profession.
• Asian Real Estate Association of America (AREAA)OthersPacific Homeland Escrow displays AREAA membership/affiliation, indicating connection to the Asian American real estate professional community. This partnership supports outreach to Asian-American buyers, sellers, and investors in the San Diego market.
• Department of Business Oversight (DBO)OthersPacific Homeland Escrow is regulated by the California Department of Business Oversight (DBO), which conducts annual audits of independent escrow companies to ensure compliance with California escrow law. All employees must register with the DBO, creating an ongoing regulatory relationship.
• Escrow Agents Fidelity Corporation (EAFC)OthersPacific Homeland Escrow employees must register with the Escrow Agents Fidelity Corporation (EAFC) in addition to the DBO. EAFC provides fidelity bond coverage that protects clients against employee dishonesty or fraud.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• WFG National Title Insurance Company: National title insurance underwriter with significant independent-agent distribution, including escrow services for residential and commercial closings. Comparable to Pacific Homeland on the escrow function in California real estate, but with a much broader agent network and underwriter backing.
• Fidelity National Financial: Parent of Chicago Title and other national title brands, offering comprehensive title insurance and escrow/closing services. Comparable to Pacific Homeland as a major escrow provider in California real estate transactions, though typically bundled with title products and delivered through large-scale operations.
• North American Title Insurance Company: Title insurance underwriter offering escrow and closing services nationally, including California operations. Comparable as a provider of escrow services for real estate transactions, though distribution is primarily through its title-agent network.
• Old Republic International: Holding company for Old Republic Title, a major national title insurer that provides escrow services through direct operations and agents. Comparable as a California escrow provider serving real estate transactions, though typically embedded within title insurance distribution.
• First American Financial Corporation: One of the largest title insurance and escrow companies in the United States, providing full-service escrow alongside title and settlement services nationally. Directly comparable to Pacific Homeland on the escrow function, but operates at vastly greater scale with bundled title-escrow offerings.
• Stewart Information Services: National title insurance and escrow services company with strong California operations through Stewart Title. Offers escrow services across residential and commercial real estate, comparable to Pacific Homeland's offerings but as part of a much larger title-insurance-led portfolio.
• Investors Title Company: Title insurance underwriter providing escrow and closing services through agency relationships across multiple states, including California. Comparable to Pacific Homeland on the escrow function but with a wider underwriting footprint and product portfolio.

Direct peers

• Escrow.com: Online escrow service provider offering digital escrow transactions across general goods, real estate, and other categories. Comparable to Pacific Homeland as an independent escrow provider, though focused primarily on online/digital delivery rather than local in-person closing support.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pacifichomelandescrow
• LinkedInlinkedin.com/company/pacific-homeland-escrow

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pacific Homeland Escrow