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
We are fully licensed, insured bonded and regulated in Maryland, Virginia, and Washington, D.C. You may verify our licenses through each state’s insurance commission.
Yes. We offer remote online notarization and virtual closings in Maryland, Virginia, and D.C., subject to lender approval and other restrictions based on the laws of the jurisdiction.
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.
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.
Yes! Title insurance protects you against hidden defects in the property’s ownership history — things like an undiscovered lien, a forged deed in the chain of title, or an unknown heir with a claim to the property. Your lender will require a Lender’s Policy and we will issue an Owner’s Policy at closing — it’s a one-time premium that protects your equity and property rights for as long as you (or your heirs) own the home.