Refinance Closings
Lowering your rate or tapping your equity? We handle refinance closings quickly and accurately, with clear communication from your first call to your final signature.

Refinancing, Made Simple
At Liberty Title, we manage the entire refinance closing: ordering the title search, clearing any outstanding liens, coordinating the payoff of your current loan, issuing the new lender's policy, and recording the documents. Where a prior owner's policy exists, we also help you take advantage of any available reissue credit to reduce your costs.
The result is a refinance that closes on time, with no surprises, and with someone keeping you informed at every step.
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ALTA Certified
Title Association member
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TRID Compliant
TILA-RESPA rules
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Bilingual Support
and Spanish
Your Refinance, Step by Step
A clear, four-step process designed to close your refinance quickly and accurately.
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Order & Search
You submit your details and we open the file, ordering a full title search to confirm a clean title.
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Clear & Coordinate
We resolve any liens and coordinate the pay off of your existing loan with your lender.
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Sign
You sign your closing documents, in person or by convenient remote options where available.
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Record & Insure
We record the new mortgage, issue the lender's policy, and your refinance is complete.
Testimonials
What Our Clients Say
Liberty Title closed our transaction without a single problem. They knew exactly what needed to happen and made it happen.
We've worked with them for years. Reliable, professional, and they understand our business completely.
The whole process was clear and fast. They answered every question and made us feel confident about our purchase.
Free Estimate
Get Your Title Insurance Estimate in Your Inbox
The Liberty Title Advantage
For forty years, homeowners, lenders, and realtors have trusted us to close with care. Here's what sets us apart.
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Best Turnaround Time
Full service on every transaction, with 24 to 48 hour turnaround on title commitments.
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Outstanding Communication
Clear, consistent updates throughout the entire process, so you're never left guessing.
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Experience & Skill
A knowledgeable, qualified staff with the expertise to handle every kind of transaction.
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Always Within Reach
Wherever your deal happens, we're there. Mobile notaries ready to come to you, on your schedule.
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Fast Email Closings
Easy, hassle-free, and fast email closings for cash buyers.
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Contract Upload Capability
Upload your contract online and we begin work on your closing right away.
“When you close with Liberty Title, you close with people who treat it like it matters.”
Insights for Your Transaction
Straightforward articles about title insurance, escrow, and closing in Miami.

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Start Your Refinance Closing
Order title online or get a clear estimate of your costs. Our team is here to make your refinance simple, secure, and fast.
FAQ
Refinance Questions, Answered

Not usually. Your existing owner's policy stays in effect for as long as you own the home. Your lender, however, will typically require a new lender's policy on the new loan, since the old one ends when the original mortgage is paid off.

If you've had a title policy on the property within a certain time frame, you may qualify for a reissue rate, a discount on the new lender's policy premium. We check for this automatically and apply any credit you're entitled to, which can meaningfully lower your costs.

Because there's no buyer or seller to coordinate, refinances often move faster than purchases, frequently closing within 7 to 10 business days of receiving your order, sometimes sooner depending on your lender and the title search.

Even on a home you already own, new liens, judgments, or recording issues can appear since your last closing. A fresh title search confirms the title is clean and protects both you and your new lender.
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