6-HOUR AVERAGE TITLE COMMITMENT DELIVERY • FIRST AMERICAN • WESTCOR
6-HOUR AVERAGE TITLE COMMITMENT DELIVERY • FIRST AMERICAN • WESTCOR
Ensure a clear and marketable property title before you buy or sell.
Refinance Title Services Built for Efficient Execution
When refinancing a mortgage, lenders require title insurance for refinance to confirm clear ownership and protect their loan position. Title X provides reliable refinance title insurance services designed to support smooth, on-time refinance closings.
Even if you obtained title insurance when purchasing your property, a new lender’s policy is required when refinancing. Our role is to ensure no new title issues have arisen since the original purchase that could affect the new loan.
Title insurance for refinance protects lenders against:
Lenders rely on refinance title insurance to confirm their mortgage will be properly recorded and secured.
A refinance does not transfer ownership, but it still requires accurate title work. Existing mortgages, liens, payoff requirements, lender conditions, and recording requirements must be addressed before the new mortgage can be properly secured.
Refinance title work focuses on verifying current ownership, identifying existing liens, coordinating applicable payoffs, and satisfying title requirements for the new lender. Efficient title clearance helps surface issues early and keeps lenders, brokers, loan officers, and borrowers informed as the transaction progresses.
Title X combines responsive title review, lender-focused coordination, proactive title clearance, and clear communication. We keep payoffs, title requirements, and outstanding matters moving while staying aligned with applicable lender and underwriting requirements.
Ownership and title examination, title commitments, lien and payoff coordination, curative work, lender requirements, settlement, disbursement, recording of the new mortgage, and post-closing title work.
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We review the order, examine current title, identify requirements, coordinate payoffs and clearance items, complete applicable settlement work, and record the new mortgage.
Mortgage lenders, mortgage brokers, loan officers, banks, credit unions, homeowners, and borrowers.
Costs vary by state and loan amount but typically include:
Many refinances qualify for reissue rate discounts, reducing premiums when a prior title policy is available.
Our title insurance for refinance services are structured to minimize delays while maintaining full compliance.
The lender needs to verify current ownership and determine whether existing liens or other recorded matters could affect its proposed mortgage.
It is commonly paid off and released as part of the refinance, subject to the transaction and jurisdiction.
Yes. A lien may need to be paid, released, subordinated, or otherwise addressed before title requirements can be satisfied.
It identifies the proposed insured lender interest, title requirements, exceptions, and relevant recorded matters.
No. Title X manages the title and settlement work within its scope. Lender underwriting, approval, borrower conditions, and other factors can also affect timing.
Applicable documents are recorded, post-closing requirements are completed, and the lender’s title policy is issued.