Refinance Title · Philadelphia, PA
Refinance settlements in Philadelphia without the delay
A refinance stalls for two reasons: a payoff that was ordered late, or a municipal balance nobody checked. We order both on day one, apply the Pennsylvania reissue discount you have earned, and get you signed at home or at our Point Breeze Avenue office. Your rate lock is a deadline, and we treat it like one.
Days, not weeks
Settlement once the lender clears to close
Reissue rates
Discounted premium when your prior policy qualifies
Mobile signing
Sign at home or at the Point Breeze office
Why Philadelphia buyers, sellers and lenders choose us
Day-one payoffs
We order the existing mortgage payoff and any second lien immediately, so the number is in hand when the lender is ready.
Every discount applied
Reissue and refinance rate credits are filed in Pennsylvania. We check your prior policy date and apply what you qualify for.
Municipal balance check
Philadelphia water, sewer, and real estate tax accounts are pulled early so nothing threatens the lender's lien position.
Rescission handled clearly
We explain the three-day window and the exact disbursement date so you know when the old loan is actually paid off.
Direct lender contact
We work with your loan processor straight through, which keeps documents and figures from ping-ponging back to you.
How the process works
- Step 1
Send the address
Call with the property and current lender. We open the file, order the search, and request payoffs the same day.
- Step 2
Clear and schedule
Liens and municipal balances are resolved, figures are matched to the closing disclosure, and we set your signing.
- Step 3
Sign and disburse
After signing and the rescission window, we pay off the old loan, record the new mortgage, and issue the loan policy.
Frequently asked questions
- Do I need new title insurance when I refinance?
- Your lender will require a new loan policy because the old one covered the mortgage being paid off. Your owner's policy from the original purchase stays in force and does not need to be repurchased.
- Is there a discount for refinancing soon after purchase?
- Pennsylvania filed rates include reissue and refinance discounts when the prior policy is recent enough. Tell us when you bought and we will apply every discount you qualify for.
- How fast can a refinance close in Philadelphia?
- Once the lender clears to close, we can usually settle within a few business days. The title search and payoff ordering start as soon as you send the address and current lender.
- Can I sign at home?
- Yes. Mobile notary and mail-away refinance signings are common. We also sign at 1235 Point Breeze Avenue Monday to Friday, 9am to 5pm.
- What is the three-day right of rescission?
- On an owner-occupied refinance you have three business days after signing to cancel. Funds disburse after that window closes, so the payoff clears a few days after your signing date.
- Will unpaid water or tax bills stop my refinance?
- They can, because Philadelphia municipal balances attach to the property and the lender needs a clean lien position. We identify them early and roll the payoffs into the settlement statement.
Refinancing a Philadelphia home and watching a rate lock? Call the office and we will start the payoff today.
1235 Point Breeze Avenue, Philadelphia, PA · Monday to Friday, 9:00am - 5:00pm