Your Refinance Journey
From your application to the day your new loan funds, here’s exactly what we’re handling for you behind the scenes — and the few moments where we’ll need a quick reply. Designed to make your refinance feel less like a black box.
From Application to Funding, in Seven Stages
Application Received & Title Ordered DAY 0–3
WE DO · Open your file, assign your closer, send your welcome packet, and order the title search.
YOU DO · Watch for our intro email. Reply with your contact info and confirm the property and current lender details.
Title Search & Examination DAY 3–10
WE DO · Pull your property’s ownership history. Identify all current liens — existing mortgage, HELOC, judgments — that need to be paid off at funding.
YOU DO · Be ready for quick questions about prior loans, second mortgages, or HOA membership.
Title Commitment Issued DAY 10–14
WE DO · Send the commitment to you and your new lender. Begin clearing exceptions so your new loan has clean first-lien priority.
YOU DO · Review with your loan officer. Flag anything unfamiliar — we’ll explain it in plain language.
Underwriting & Payoff Coordination DAY 10–22
WE DO · Coordinate with your new lender, request the payoff demand from your current servicer, order HOA docs if applicable, and prepare loan documents.
YOU DO · Respond fast to your new lender. Speed here is the single biggest factor in hitting your funding date.
Closing Disclosure & Final Numbers DAY 20–26
WE DO · Balance with your lender, prepare your Closing Disclosure (CD), schedule your signing, and send wire instructions for any cash-out proceeds.
YOU DO · Review the CD — federal law gives you 3 business days before signing. Confirm wire details by phone for any cash-out.
Signing Day DAY 25–30
WE DO · Walk you through every signature, witness/notarize, and brief you on the 3-day rescission window if this is your primary residence.
YOU DO · Bring photo ID. Sign in person or remotely. If primary residence, your right-to-cancel window starts today.
Rescission, Funding & Recording DAY 28–35
WE DO · Honor your 3-business-day right to cancel (primary residence), fund the new loan, pay off your prior mortgage, record the new lien, and issue the lender’s title policy.
YOU DO · Once funded, you’re refinanced. Watch for your cash-out wire (if applicable) and confirmation your old mortgage is paid.
● Refinance Quick Answers
Do I need new title insurance when I refinance?
Your new lender requires a new lender’s title policy — that’s standard. Your existing owner’s policy (if you bought one when you purchased) stays in place and continues to protect you.
What is the 3-day right of rescission on a refinance?
Federal law gives you 3 business days after signing to cancel a refinance on your primary residence. Funding happens on business day 4. The 3-day rescission does not apply to investment properties.
When does my old mortgage get paid off during a refinance?
ATG Title pays your old mortgage directly from the new loan proceeds — right after the rescission period for primary residences. Your old servicer will typically confirm payoff within a few business days.
Should I keep paying my current mortgage during a refinance?
Yes — keep scheduled payments going until we confirm funding. We’ll tell you exactly when to stop. Don’t miss a payment during the transition.
When do I get my cash-out funds from a refinance?
Cash-out funds are wired the same day as funding (after rescission for primary residences). We notify you the moment funds go out and provide the wire confirmation.