Refinance Escrow
Escrow for refinancing your loan.
A refinance has no buyer or seller. We pay off your existing loan, fund the new one, and make sure it records correctly, working between you, your lender, and the title company.
- Typical timeline
- 20–35 days
- Who it's for
- Current homeowners
- Languages
- English / Spanish
A refinance has no buyer or seller, but it still needs a neutral party to handle the payoff of your old loan and the funding of the new one.
We coordinate with your lender and the title company, confirm the payoff, and make sure the new loan records correctly.
What we handle on your file
We order the payoff demand from your current lender so we know the exact amount owed through your closing date. When your new loan funds, we pay off the old loan, cover any title and recording costs, and return any remaining funds to you.
Because no property is changing hands, there's no earnest money and no sale to coordinate. The work centers on the payoff, the new loan documents, and getting the new deed of trust recorded against your title.
What to expect
Refinances tend to run a bit shorter than a sale, often 20 to 35 days, depending on how quickly your lender issues documents and the current payoff comes back.
If the property is your primary residence, your loan likely includes a three-day right to cancel after signing. We explain how that affects the funding date so the timing isn't a surprise.
How a refinance escrow goes
Open & order the payoff
We open the file from your lender's request and order a payoff demand from your current lender so we have the exact amount owed.
Title & loan documents
We confirm title and vesting and work with your new lender as the loan documents are prepared. There's no earnest money and no other party to coordinate.
Signing
You review and sign the new loan documents, in our office or with a mobile notary. We confirm every figure against the lender's instructions.
Rescission period
If the property is your primary residence, your loan usually includes a three-day right to cancel after signing. Funding waits until that period ends.
Funding & recording
The new loan funds, we pay off the old loan, the new deed of trust records, and we return any remaining funds to you with a final statement.
What you'll need
- Government-issued photo ID
- Your new lender and loan officer contact information
- Current loan account and statement, so we can order the payoff
- Mortgage or HOA information, if either applies
- Proof of current homeowners insurance
- How you currently hold title (vesting information)
- Any name or marital change documents since you bought the property
- Wiring instructions confirmed with us by phone
Common questions
Related services
Residential
Buying or selling a home, with a neutral party holding funds and documents until every condition is met.
Multi-Family
Duplexes through apartment buildings, with the added coordination these deals tend to require.
New Homes
Builder purchases and the specific paperwork that comes with them, tracked so nothing slips.
Ready to open an escrow?
Send us the basics and we'll route your file to the right officer. Have an agent already? They can open it for you in a few minutes.