How long does a refinance closing take?

The refinance closing itself typically takes 30–60 minutes. The full process from lender application to closing is usually 30–45 days, depending on lender processing times. Eastern Title's title and settlement work is generally completed within 5–10 business days of receiving the lender's order, so we're rarely the bottleneck.

What is a title commitment for a refinance?

A title commitment is a preliminary report from the title company that identifies the current owner, lists any conditions that must be satisfied before title insurance can be issued (such as payoffs or lien releases), and describes the coverage to be provided. Lenders require a title commitment as part of their underwriting package.

Will I owe title insurance on a cash-out refinance?

Yes. Any refinance involving a new mortgage — including a cash-out refinance — requires a new lender's title insurance policy regardless of the loan amount or how long you've owned the property. The premium is based on the new loan amount and is paid at closing.

Can Eastern Title coordinate my refinance closing remotely?

Yes. Eastern Title offers Remote Online Notarization (RON) for refinance closings in all states where it is permitted. RON allows you to sign and notarize your closing documents over a secure video call from your home or office, with the same legal validity as an in-person closing.

Resources

Wire InformationSecurely submit your banking details for wire transfers.

Earnest Money DepositsSubmit earnest money deposit details for your transaction.

DocumentsDownload seller and buyer checklists, letters, and forms.

Real Estate Top PerformersWatch real estate market conversations and homebuyer tips.

Refinance Title Services in Winston-Salem, NC

Efficient title search, lender's policy, and settlement services for rate-and-term and cash-out refinance transactions.

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About Refinance Title Services in Winston-Salem

We handle the full title side of your refinance — updated title search, title commitment, lender's title insurance policy, closing disclosure review, and county recording. According to the CFPB's TRID rule, lenders must provide a Loan Estimate and Closing Disclosure on all refinance transactions — Eastern Title coordinates directly with your lender on both documents to hit your target closing date.

Our Winston-Salem title professionals understand the specific requirements, county recording offices, and local real estate customs that affect your North Carolina transaction. Whether you are a first-time buyer or an experienced investor, we provide the same professional, attentive service from contract to close.

How It Works

1.Submit Your Order — Fill out the form with your property and contact details.
2.We Review & Reach Out — A Winston-Salem team member contacts you within one business day.
3.Close With Confidence — We handle title, settlement, and recording so you close on time.

Why Eastern Title in Winston-Salem

✓Licensed title professionals serving North Carolina
✓Deep knowledge of Winston-Salem county recording offices and local customs
✓Full-service: title search, insurance, and settlement under one roof
✓Same-day response during business hours

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