Prepare for Closing

How to prepare for a refinance closing

The items needed for a refinance closing are slightly different from those items needed for a closing on a sale of a house.

Once you have made the decision to refinance your home, you'll want your transaction to progress as smoothly and efficiently as possible. In an effort to avoid potential problems and delays, consider the following points. Check with your closing agent to determine which ones apply to you.

  • Before the closing, contact your lender regarding any requirements that must be satisfied PRIOR to closing.
  • Provide Realty Title with your current driver's license or other government issued identification. Also provide lien payoff information on existing mortgage(s), so that we may obtain a current payoff letter(s).
  • If you are going to be paying off credit card balances at the closing, the most current statements must be brought to the closing.
  • Provide your lender with an original homeowner's insurance policy prior to the closing, along with a paid receipt for the first year's premium. If you're refinancing a condo, bring a Certificate of Insurance instead. A Certificate of Insurance can be obtained from your condo association or property management company.
  • If your property is a condo, provide Realty Title with an assessment letter from your condo association or property management company to the closing.
  • Bring a cashier's check to the closing for the amounts you must pay, not a personal check.
  • If you are refinancing your principal residence, federal law allows you to cancel the transaction within three days of signing the documents. Therefore no money will be disbursed until such time period has lapsed.


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Dear Realty Title, I just wanted to let you know what exceptional service received each
and every time I have closed with Cheri Bayer at Realty Title. I just recently had a very difficult contract to close and Cheri helped me through it every step of the way. I will even go as
far to say that it may not have closed without all her hard work. She got my clients
to the table and made it as pleasant as possible. I will continue to use Realty Title
because of Cheri. She is just wonderful!


Crye-Leike Mt. Juliet Agent

I have been using Realty Title for 17 years and I am never disappointed!! I know my clients will be taken care of and the job gets done on time!! It's nice to know there is a Title Company that goes above and beyond every time!! Keep up the good work!!

Sherry Hulen,


The customer service at Realty Title is AWESOME! They are all so kind, very knowledgeable and willing to help with anything! I thoroughly enjoy working with all of them at my closings! They make them smooth and enjoyable for all involved!

Stephanie Fowler,


Realty Title has always exceeded my expectation and ensured that the Closing Package was ready early along with the Wiring Instructions. It's great to always have laughs and smiles with happy clients closing on time - hassle free! Thank you!

Jason Bailey,

Mortgage Investors Group

My experience with Realty title was by far better than I could have imagined. The process was seamless and stress free. I want to bring special recognition to Deanna Wood, our closing agent. She was fabulous to work with, and got our closing scheduled 2 days after I was approved. Customer service like this shows shows the strength of the company, and ensures that I will do business with Realty title again. Thank you for the great experience!

Brittany Threet,

Zander Insurance Group

I don't know how I would have come out of [the closing process] sane without you.

Catherine R.,


Your Realty Title Experience: Peeps always strive to perform regardless of the circumstances. They work hard!

Harold Whittaker,