Efficient title search, lender's policy, and settlement services for rate-and-term and cash-out refinance transactions.
Start Your OrderService overview
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.
Decision points
Every refinance requires a new title search and a new lender's title insurance policy for the incoming lender.
Your existing owner's title insurance policy is not affected by a refinance — it remains in full force.
Eastern Title coordinates directly with your lender to meet their title requirements and target closing date.
Most refinance closings take 30–45 days from application; Eastern Title can often complete its work in under a week.
Reissue rate discounts on the lender's policy may be available if you purchased an owner's policy within the last 10 years.
Common questions
A refinance requires an updated title search to confirm current ownership and identify any new liens since the original purchase, a new lender's title insurance policy for the refinancing lender, and a settlement statement accounting for all fees and payoffs. Eastern Title handles all of this and coordinates directly with your lender.
No — your existing owner's title insurance policy remains in effect when you refinance. However, the new lender requires a new lender's title insurance policy for their loan. Eastern Title issues the lender's policy as part of the refinance closing, and some underwriters offer reissue rate discounts if you already hold an owner's policy.
FAQ
Service markets
Open your title order online or contact our team to discuss your transaction.