Refinance Title & Closing Services
Every refinance requires a new title search, a lender's title insurance policy, and a coordinated closing. Simple Title manages every step — from the initial title examination through disbursement and recording — across all five states we serve.
Get in Touch See the ProcessYour Refinance Still Needs a Title Company
Even though you already own your home, a refinance creates a completely new loan — and with it, a new legal claim against your property. Your new lender needs to know that no liens, judgments, or encumbrances have been filed against the property since your original purchase, and that the new mortgage will be recorded as a valid, first-priority lien. That is exactly what a title search confirms.
Simple Title handles the full scope of refinance title and closing work across Massachusetts, New Hampshire, Maine, Connecticut, and Florida. Whether you are lowering your rate, pulling equity, or changing loan terms, our team provides the title examination, lender's insurance, escrow coordination, and recording your lender requires — delivered with the consistency and care that every transaction deserves.
How a Refinance Closing Works
From title search to recorded mortgage, here are the five steps Simple Title manages on every refinance transaction.
Complete Refinance Closing Services — From Search to Recording
Refinance closings differ from purchase closings in important ways. There is no seller, no deed transfer, and no earnest money escrow — but the title work, lender coordination, and document preparation are just as precise. Our team handles every component your lender requires, from the initial title commitment through the post-closing disbursement and recording.
We work directly with your lender's closing team to prepare accurate settlement statements, coordinate payoff figures with your existing lender, and ensure the closing appointment runs smoothly — whether in person or through a remote signing arrangement. After signing, the 3-day rescission period applies for primary residences, after which we disburse funds and record the new mortgage.
Contact Our TeamWhat Simple Title Provides for Your Refinance
Refinance Title Search
A targeted search of public records from your last closing date to the present — verifying current ownership and identifying any new liens, judgments, or tax claims that could affect your new lender's position.
Lender's Title Insurance
We issue the lender's title insurance policy required by your new mortgage lender — protecting their financial interest against any title defects or claims that may surface after the refinance closes.
Closing Disclosure Preparation
Accurate preparation of the Closing Disclosure and settlement statement — itemizing all loan costs, third-party fees, payoff amounts, and cash-out proceeds — coordinated directly with your lender's closing team.
Escrow & Fund Management
Secure receipt and disbursement of all loan proceeds — including payoff of your existing mortgage, distribution of cash-out funds, and payment of all closing costs — managed in strict accordance with lender closing instructions.
Mortgage Payoff Coordination
We obtain the official payoff statement from your existing lender, verify the payoff figure at closing, and transmit funds on the correct disbursement date to ensure your old mortgage is fully satisfied and discharged.
Recording & Post-Closing
After the rescission period clears, we record the new mortgage and the discharge of your prior lien with the county registry or clerk — and provide final recorded copies to all parties to close the file.
Refinance Closing Services Across All Five States
Simple Title handles refinance closings across our full service area — Massachusetts, New Hampshire, Maine, Connecticut, and Florida. Each state has its own closing requirements, recording procedures, and lender compliance standards, and our teams in each market are experienced with those specific requirements.
In Massachusetts, New Hampshire, Maine, and Connecticut — all attorney-closing or attorney-supported states — our legal teams oversee the closing process in accordance with state law. In Florida, we coordinate with lenders under the state's title company closing framework. In every state, the result is the same: an accurate, compliant, on-schedule refinance closing.
Common Causes of Refinance Closing Delays
Most refinance closings proceed on schedule — but knowing what can cause delays helps you prepare. Here are the most common issues our team encounters and works to resolve.
Title Defects
Unreleased prior mortgages, unexpected tax liens, or judgment liens filed against the property since your original purchase can hold up a refinance until they are cleared. Our title search identifies these issues early so they can be resolved before your closing date.
Missing or Inaccurate Documentation
Lenders require precise financial documentation. Missing signatures, unexplained bank deposits, or incomplete employment verification can trigger additional underwriting review — pushing the closing timeline back by days or weeks.
Appraisal Discrepancies
If the property appraises for less than the loan amount required, the lender may need to restructure the loan terms or require a new appraisal. This is one of the most common sources of unexpected delay in a refinance transaction.
Payoff Coordination Issues
The title company must obtain an official payoff statement from your existing lender before closing. If the existing lender is slow to respond or provides an inaccurate figure, it can delay disbursement and recording — even after all other closing steps are complete.
Changes to Financial Profile
Opening new credit accounts, changing jobs, or making large undocumented deposits during the refinance process can trigger a complete re-verification of your debt-to-income ratio — restarting parts of the underwriting review.
HOA & Third-Party Delays
For condominiums or HOA-governed properties, lenders may require HOA estoppel certificates or account verification. Slow responses from associations or condo boards are a common source of third-party delays late in the closing process.
Refinance Closing Support for Every Client
Homeowners
Whether you are lowering your rate, accessing equity, or changing loan terms, our team handles all the title and closing work your lender requires — clearly communicated, on schedule, and stress-free.
Learn more →Mortgage Lenders
Compliant title work, accurate settlement statements, and dependable funding coordination — delivered consistently across all five states in our service area.
Learn more →Real Estate Investors
Experienced refinance closing support for investment properties, rental portfolios, and commercial assets — across multiple states and transaction structures.
Learn more →Serving Refinance Clients Across Five States
Simple Title handles refinance closings throughout our full multi-state service area. Select your state for location-specific title and closing information.
Trusted Across All of Our Offices
Frequently Asked Questions
Do I need a title company to refinance?
Yes. Even though you already own your home, a refinance replaces your existing mortgage with a completely new loan. Your new lender requires a title search to verify current ownership and identify any new liens or claims filed since your original purchase, and a new lender's title insurance policy to protect their financial interest. A title company manages all of this — along with the closing disclosure preparation, fund disbursement, and recording of the new mortgage.
What happens to your title when you refinance?
Your ownership of the property does not change when you refinance. Your existing deed remains in place. What changes is the lien — your old mortgage is paid off and discharged, and the new mortgage is recorded with the appropriate county registry or clerk. A title search is conducted to ensure no new claims have attached to the property since your original closing, and the new mortgage is recorded to establish the new lender's priority lien position.
What does a title company do in a refinance?
In a refinance, a title company performs a new title search to confirm current ownership and identify any new liens or judgments. They issue a lender's title insurance policy, prepare the closing disclosure and settlement statement in coordination with the lender, manage the signing appointment, disburse loan proceeds to pay off the existing mortgage, and record the new mortgage with the county government. In attorney-closing states like Massachusetts, New Hampshire, Maine, and Connecticut, a licensed attorney oversees this process.
What is the 3-day rule for a refinance closing?
For a primary residence refinance, federal law provides a 3-day right of rescission after you sign the closing documents. This gives you three full business days to cancel the transaction for any reason without penalty. Once this period ends and the lender releases funds, your old mortgage is paid off and the new loan becomes active. This right of rescission does not apply to investment properties or second homes.
What causes delays in a refinance closing?
The most common causes of refinance closing delays are title defects such as unreleased prior mortgages or unexpected tax liens, missing or inaccurate financial documentation, appraisal discrepancies, changes to the borrower's financial profile during underwriting, and slow payoff statement responses from the existing lender. Working with an experienced title company helps identify and resolve title-related issues before they affect your closing timeline.
Does a title company issue a new deed when you refinance?
Generally no. Because you already own the property, a refinance does not require a new deed unless you are making a change to how title is held — such as adding or removing a spouse from ownership, or transferring the property into a trust as part of the refinance. The title company records the new mortgage and the discharge of your old loan, but your existing deed remains unchanged.
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