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Refinances

Lender-ready title work that keeps rate locks intact.

Fast, accurate title work for refinances—current-owner searches, payoff coordination, lender policy issuance, and convenient signing.

Why Crystal Alliance

What we do differently here.

Refinance files are prioritized to protect your rate-lock date

Payoffs ordered directly from your current lender and re-verified

Sign at home by mobile notary at no extra hassle

What’s included
Current-owner search and commitment
Payoff coordination with existing lenders
Lender’s policy and endorsements
Signing at our office or by mobile notary
Recording and release tracking
What we need from you
Borrower name and property address
Lender contact and loan number
Existing mortgage statement

Never send Social Security or banking details by email—we’ll provide a secure link.

How it unfolds

From order to done—here’s the path.

Every step is visible to every party on the file. You’ll never wonder where things stand.

01
Days 1–3

Search complete; commitment to lender

02
Closing

Documents signed; rescission period begins (owner-occupied)

03
Funding

Disbursement after rescission; recording follows

Tips from the closing table

Know this before you start.

01

Provide your current mortgage statement at order—it speeds the payoff request.

02

Owner-occupied refinances have a three-business-day rescission period; funding follows it.

03

Your existing owner’s policy stays in force—only a new lender’s policy is needed.

General information only—not legal, tax, or financial advice. Consult your attorney about your specific transaction.

Common questions

Do I need a new owner’s policy?

No—only a lender’s policy is required; your existing owner’s policy remains in force.

Related services
07 Investor Transactions Portfolio discipline on every file. 08 New Construction & Development From raw land to finished sale. 09 Document & Recording Prepared, executed, and recorded correctly.

Ready to move forward?

Start your order in about two minutes, or speak with Elisa Kiernan directly.

© 2026 Crystal Alliance Title · 59 Mine Brook Rd, Suite 300B, Bernardsville, NJ 07924 info@crystalalliancetitle.com
The All-in-One Platform

One file. Every party. Your closing—on schedule.

Open a file in about two minutes. Buyers, sellers, agents, attorneys, and lenders see the same live status from day one to recording—so nobody has to chase anyone.

Start Your Title Order Request a Quote

Same-business-day confirmation · (908) 499-0175 · info@crystalalliancetitle.com

Live file · CAT-24817
On schedule
File openedContract received · contact confirmed Day 1
Title clearedCommitment issued · 0 open requirements Day 6
Figures balancedCD reconciled with lender & counsel T-3
Close & recordSigned · funded · e-recorded Today
Everyone sees this
Funded · 11:48 AM · all parties notified