An account held by the lender into which the home buyer pays money for tax or insurance payments. Related Articles: The Comprehensive Mortgage Glossary for Denver Home BuyersTo help you navigate the mortgage process in Colorado with confidence, we've compiled an extensive glossary of essential terms.Unraveling the Mysteries of Earnest Money Deposit in ColoradoDemystify the earnest money deposit in Colorado real estate deals. Learn what it is, how it works, and the rules you need to know to protect your investment.