Escrow is also state by state. I have never lived in an escrow state. You get a title search and that comes with insurance (basically O&E for the title company), beyond that off you go. How liens are cleared is also going to be state by state. In some places, you may still be going after the original homeowner, in others you may still standing in line when the money runs out with no recourse.
This is why you really need to ask your attorney what you can do in your area.
