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
Yes, in many cases. We offer remote online notarization (RON) and mobile notary options for qualifying transactions. This depends on your lender’s requirements and the type of transaction. Contact our office early in the process if you anticipate needing a remote closing, so we can confirm eligibility and make arrangements.
No. Most title companies, including RSI Title, require a wire transfer or certified/cashier’s check for amounts over a small threshold (usually $500–$1,000). Personal checks are not accepted for down payments or large closing costs because they can be returned after the transaction closes. Contact us for exact wiring instructions well before your closing date.
We use the most advanced technology for title processing called Qualia Connect. This system uses a portal for all parties to securely send and receive information. It also tracks the progress of your transaction so you can stay updated during the entire process.
After contract ratification, we conduct a thorough title search, review the chain of title to verify the legal conveyance of each deed in the chain, identify and clear liens, and issue title insurance policies protecting the buyer and the lender. We also:
- Coordinate with your lender and all parties to the transaction
- Prepare the settlement statement and closing documents to transfer the title
- Facilitate closing day when documents are signed and ownership transfers
- Disburse all funds according to the terms of the contract and settlement statement
- Record all documents to legally transfer title.
Customs vary by jurisdiction. Typically, the buyer pays for both the lender and owner’s policy. The owner’s policy and settlement fees may be split or negotiated in the contract.