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
This is exactly why the title search happens before closing. If a lien, judgment, or defect is found, we work with the seller and their title to resolve it before settlement. Common issues include unpaid contractor liens, estate matters, or old mortgages that were paid off but never formally released. Most issues are resolvable — and catching them early is the whole point.
Each jurisdiction sets its own transfer or recordation taxes. These are based on the sales price and loan amount and are paid at closing. Typically they are split equally between buyer and seller, but like many details in a real estate transaction, they may be negotiated in the contract.
Yes. RSI Title follows strict cybersecurity protocols for all communication involving wire transfers and financial data. We use encrypted email for sending sensitive instructions and always recommend that clients call us directly to verify wire instructions before transferring any funds. Never wire money based solely on an email, even one that appears to come from us — always call first to confirm.
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.
Common issues include unpaid liens, errors in public records, judgments, identity theft, or disputes over boundaries. RSI Title works to resolve these before closing so your ownership is secure. Title insurance protects the homeowner from future issues that may arise after closing such as boundary disputes, zoning violations or unpaid, undisclosed charges affecting the property.