Refinance
Refinancing your mortgage is a smart way to lower your interest rate, adjust loan terms, or access equity — and at RSI Title, we make sure the process is seamless from start to finish. As your closing and escrow agent, we coordinate with your lender to manage all requirements, verify your property’s title history, and clear any issues so your new loan can be recorded without delay.
Our refinance services include a full title search, issuance of lender’s title insurance, preparation of settlement and payoff statements, collection and secure disbursement of funds, and recording of the new mortgage with the appropriate county office. We also ensure your old mortgage is properly paid off and released, eliminating future complications.
With RSI Title, you can expect clear communication, secure handling of your documents and funds, and flexible closing options that fit your schedule. Whether you’re refinancing to save money or restructure your loan, our experienced team provides the guidance and efficiency you need to complete your refinance with confidence.
Choosing RSI Title
Choosing RSI Title means choosing clear communication, transparent fees, and secure handling of your funds and documents. We combine local knowledge with technology-enabled options (including remote closings where available) to make the process efficient and stress-free. For details, timelines, or to schedule a closing, visit rsititle.com or contact our team today.
Refinance Related FAQ’s
You’ll review and sign all necessary documents. Once funds are collected and disbursed, RSI Title records your deed and mortgage, officially transferring ownership.
The Closing Disclosure (CD) is a five-page form from your lender that details every cost of your loan and transaction — loan terms, monthly payment, closing costs, and cash to close. By law, you must receive it at least 3 business days before closing. Review it carefully and compare it to your Loan Estimate. Contact us or your lender immediately if anything looks different than expected.
Fees vary depending on property, loan type, and jurisdiction. Typical costs include:
- real estate commissions
- Lender fees (buyer)
- Title insurance premiums
- Settlement fees
- Recording costs
- State or local transfer taxes
You’ll receive a detailed settlement statement before closing and we offer free quotes and estimates. We always guarantee our title fees upfront.
Most transactions close within 30–45 days, depending on lender timelines and whether title issues arise. We offer quick turnaround for cash transactions, refinances or if the parties require expedited processing and can close in as little as 2 weeks.
Buyer closing costs typically include:
- Lender fees (origination, appraisal, underwriting)
- Title search and title insurance premiums
- Settlement/closing fee
- State and county recordation/transfer taxes
- Prepaid interest, homeowner’s insurance, and escrow reserves
Total buyer closing costs generally range from 2–5% of the purchase price in the MD/DC/VA area. Your Loan Estimate from your lender will give you a detailed breakdown.