Community Title Network

Title Settlement Services in Maryland, Delaware, and Virginia

A safe, easy and simple way to deliver your Earnest Money Deposit (EMD)

For properties and EMD’s in Delaware, please contact your real estate agent or the Delaware office you may be using for settlement.

Introducing ZOCCAM for Your EMD Delivery

• ZOCCAM is safe, secure and simple to use
• Eliminates the need to wire funds
• ZOCCAM works on iPhones, Android phones, and tablets
• ZOCCAM is free to download and free to use
• ZOCCAM takes the security risks out of downloads and eliminates potential fraud

Scan the QR Code Below to Download the App.

EMD Delivery

Download the App from your app store.

google playapp store

ZOCCAM Instructions

Step 1: Registration

  1. Download ZOCCAM from the app store.
  2. Register with name & email address, and mobile number.
  3. Enter real estate license or notary commission, if applicable.
  4. Verify device with PIN sent via text.
  5. Create an 8 digit numeric passcode & confirm passcode.
Watch the video for a brief tutorial on downloading and using the ZOCCAM App for your EMD.

Step 2: Capture Earnest Money Deposit

  1. Sign in with mobile number and 8 digit numeric passcode you created.
  2. Select Capture.
  3. Select Earnest Money.
  4. Scroll to escrow agent or type first 3 letters in search field, select location.
  1. Enter property address, check amount, and email addresses
  2. Take picture of front and back of check on a dark, well lit surface.
  3. Email notifications will be sent to all parties entered.

ZOCCAM’s application does not contain or hold any financial information.

Unlike wire transfers, ZOCCAM does not divulge the title company account numbers of the bank.

The check is encrypted from capture to delivery to ensure safe transmission.

Multi-factor authorization is utilized for added security – and your peace of mind.

Data is secured via Secure Socket Layer (SSL) with 2048 bit encryption.

FAQ

Earnest money is a payment made by a homebuyer to show to the seller that he or she is serious about buying.

The timing of your earnest money payment is generally stated in your contract. In most cases, earnest money is due simultaneously with, or shortly after, the contract is signed by both buyer and seller.

Typically, earnest money is held by a third party called an “escrow agent” or “escrow holder.” The escrow holder may be a title company, a real estate office, an attorney’s office, or any other party designated in the contract.

In most cases, homebuyers receive credit for their earnest money deposit at time of closing.

Most buyers will be verified by providing basic information such as:

  • Last four digits of their Social Security Number (SSN)
  • Current address
  • Legal first and last name

If the above information does not satisfy our verification score, then a buyer will provide their full SSN. For the less-than-10% of buyers whose full SSN does not satisfy the verification process, our system will ask for a valid form of identification. These are:

  • U.S. passport
  • State-issued I.D
  • U.S. driver’s license Finally, if automatic verification is not possible we can manually verify.

Buyers may require manual verification for the following reasons:

• A buyer did not use his or her legal first or last name.

• A buyer recently moved so the system cannot match the address provided with the address on public record.

• A buyer mistyped their name, address or SSN.

• A buyer provides ITIN instead of SSN.

• A non-valid document was uploaded like an expired driver’s license, nonofficial form of ID or identification document containing a blurry photo.

Yes, you can provide a check or send a wire.

At this time, no.

Disclaimer: For use for earnest money deposits only. DO NOT use for closing funds. App cannot be used for foreign checks. App may not work for money orders.