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Close Under Clear Skies

Palm Title is a premier title company in South Florida, offering comprehensive closing services for property refinancing. With a primary office in Downtown Fort Lauderdale, our reach extends from Boca Raton south to Miami. We also serve the West Coast, from Tampa to Naples, making us a trusted choice for lenders throughout the state of Florida.

A South Florida Title Company for Refinancing

Palm Title in South Florida stands out as an esteemed and reliable title company that can handle your refinancing needs with the utmost professionalism. With years of industry experience and a deep understanding of the local market, Palm Title has built a stellar reputation for its comprehensive range of services and unwavering commitment to customer satisfaction.

At Palm Title, we recognize that refinancing can be complex and time-consuming. That’s why we strive to streamline the title search and insurance procedures, making it easier for our clients to navigate the intricacies of refinancing their properties. Our team of seasoned professionals works diligently to provide a stress-free, successful experience for our clients.

Attorney-Owned and Operated

Palm Title’s approach to real estate transactions is all about streamlining the process. We know that real estate transactions can be complex and time-consuming, which is why we aim to make the process as smooth and efficient as possible.

Our team of professionals works tirelessly to ensure that all aspects of the transaction are handled with excellent precision and efficiency, from the title search to the closing process. We coordinate with all parties involved, keeping everyone informed and ensuring that all documents are ready by the closing date.

How We Help Lenders With Refinancing

A title company plays a vital role in facilitating a secure and successful refinance transaction. Beyond simply overseeing all the intricate details and ensuring a seamless closing and funding process, partnering with a title company offers numerous benefits for individuals seeking to refinance their mortgage.

How We Assist with the Refinance Loan Process

At Palm Title, we are dedicated to ensuring a seamless and stress-free refinancing experience for our clients. Our team of professionals works diligently to handle all aspects of the closing process with efficiency and accuracy– leaving no surprises at the closing.

We closely coordinate with all parties involved to facilitate a smooth closing process. Right from the start, we carefully manage and review the information gathered from all involved parties. We promptly arrange for lien and title searches as well as estoppels to be issued.

Finally, we oversee the signing of all required documents, ensure the proper distribution of funds, and accurately record the new loan, ensuring a hassle-free refinancing experience for our clients.

Simplifying the Closing Process for Refinancing:

Refinancing is a complex process that entails collaborating with a lender to secure a new loan for an existing asset, reduce mortgage payments, adjust the names on the mortgage, or obtain a lower interest rate. At Palm Title, we specialize in simplifying and streamlining this intricate process for our clients, ensuring a hassle-free experience from start to finish. Plus, we contact you only when it’s necessary, freeing up your time to do what matters most– work with your clients.

Making the Title Search Process Seamless:

A title search is a critical step in the refinancing process, and we understand the importance of being thorough for our clients. Our experienced team conducts a thorough title search and examination to verify that there are no issues that could affect the transaction. We check public records for any liens, judgments, or unpaid property taxes that could affect the title. If any issues are found, we will work diligently to resolve them before the closing date.

Ensuring Compliance with Regulatory Guidelines:

Palm Title is committed to staying in compliance with all regulatory guidelines. We adhere to all state and federal laws and regulations regarding title insurance and closings. 

Our attorney-owned and operated company reviews all documents for legal accuracy. We also make sure that all funds are handled in compliance with escrow regulations. By maintaining compliance with regulatory guidelines, our clients have peace of mind, knowing that their refinancing process is in good hands.

Refinancing Services

Palm Title offers a range of closing services for refinancing. Whether it’s for residential or commercial properties, investment properties, or vacant land, we work hard to give our clients a successful closing.

1. Remote and Physical Closings: The Palm Title Advantage

Palm Title works to make our clients’ lives easier, so we offer both remote and in-person closings. We use secure and user-friendly online platforms to conduct remote closings or send a notary and closer to your location. For clients who prefer the convenience of closing from the comfort of their homes or offices, our remote closing services are a perfect fit.

For those who prefer a more traditional approach, we also have physical closings at our office in Fort Lauderdale. Regardless of the method, our clients can expect the same level of professionalism, accuracy, and efficiency.

2. Coordinating All Parties for a Smooth Closing

Coordinating all parties involved in a refinance transaction can be complicated. However, at Palm Title, we have the expertise and systems in place to make it more simple. We work closely with the lender, real estate agent, and homeowner, making sure that all documents are in order, funds are distributed correctly, and the new loan is recorded with the county. Our attention to detail and commitment to clear communication ensure a timely and stress-free closing process.

3. How We Handle Closing Costs and Property Taxes

When it comes to closing costs and property taxes, Palm Title is transparent and accurate. We provide a detailed breakdown of all closing costs, including our fees, title insurance premiums, and any third-party charges. We also handle the settlement of any unpaid property taxes revealed during the title search. Our clients can rest assured knowing that all financial aspects of the closing process are handled with top-notch care and professionalism.

Refinancing: Title Insurance Process

Refinancing your property involves many steps, and one of the most important ones is securing title insurance. At Palm Title, we manage the title insurance process meticulously to protect both the lender and the homeowner. Title insurance is a one-time purchase, paid at closing.

To issue title insurance, we conduct a comprehensive title search to confirm the legal ownership of the property. This research not only verifies ownership, but it also uncovers any problems such as liens, judgments, or unpaid property taxes that could affect the refinance process. By identifying these issues early, we can address them before closing so they don’t delay or complicate the transaction.

Our Role in Issuing a Lender’s Policy

As part of the refinancing process, Palm Title issues a lender’s policy to protect the lender’s interests until the loan is fully paid off. This policy is essential for lenders as it protects their financial interest in the property and safeguards them against potential future claims on the property title, such as undisclosed liens, forgeries in the title chain, or defects in the public records.

Being an attorney-owned and operated title company, Palm Title has the legal expertise to handle the complexities of issuing a lender’s policy. We ensure that the policy is comprehensive and that every detail is accurate, providing lenders with the peace of mind they need to proceed with the refinance.

Why Choose Palm Title?

Palm Title distinguishes itself among the numerous title companies in the competitive South Florida marketplace by adopting a distinctive client-centric approach. We prioritize taking care of all the necessary background work and proactively contacting them only when essential so that our clients can have time to take care of their own clients.

In addition, our business model brings a high level of expertise and assurance to the closing process. With our commitment to operating under the guidance of experienced attorneys, every transaction is executed with the highest level of legal precision and professionalism, instilling confidence in our clients.

Handing over your house keys after making a mortgage contract, buying a home successfully, and becoming a home owner.
For a seamless and hassle-free real estate transaction in Fort Lauderdale, Miami, or Boca Raton, trust Palm Title, your reliable title company.

Whether you’re a realtor, lender, home buyer, or seller, our team of professionals is ready to handle your refinance with professionalism and expertise. Contact us today at (954) 824-9920 or email us at orders@palmtitle.com. You can also visit our office at 614 S. Federal Hwy, Fort Lauderdale, FL 33301, Monday through Friday, from 9:00 AM to 5:30 PM.

Call (954) 824-9920 or CLICK HERE to use the simple online form

Refinancing Title Company FAQ

What is the average closing cost for refinancing in South Florida?

The average closing cost for refinancing in South Florida is typically around 1% to 3% of the loan amount. However, this can vary based on several factors, including the type of loan, the homeowner’s credit score, and the specific closing services required. At Palm Title, we strive to provide transparent and competitive pricing for all our closing services.

When you refinance, what happens to the title?

When you refinance, the title of the property goes through a review process, but it doesn’t change hands. The original lender is replaced by the new lender on the mortgage but not on the title. The title remains the same– in the name of the property owner(s). However, an updated title search is conducted to ensure that there are no new liens or issues that could affect the refinanced loan.

Can I refinance without being on the title?

Refinancing a property without being named on the title can be challenging. Being on the title establishes your legal ownership interest in the property, and lenders typically require all owners to be parties to the refinancing transaction. Palm Title conducts a title search to confirm this. If you’re not on the title and wish to refinance your loan, then it might be necessary to add your name to the title first.

When you refinance a home loan, does the title change?

Usually, the individual or entity listed on the title remains unchanged following a refinance. However, the lender’s name on the mortgage documents is typically updated to reflect the new lender, replacing the original one. In some cases, obtaining a new title insurance policy may be necessary to safeguard the interests of the new lender.

Who is at a refinance closing?

The refinance closing involves several parties. The homeowner (borrower), the new lender, and the title company are the primary parties present. The title company, like Palm Title, provides settlement services, handles the closing process, and ensures that all documents are in order, that funds are distributed correctly, and that the new loan is recorded. We also offer escrow services, holding the funds securely until all conditions for the transaction are met. The homeowner might also purchase owner’s title insurance for added protection against future claims to the title. The closing process is designed to be smooth and trouble-free, ensuring a successful refinancing transaction for everyone involved.

Is a new title issued during refinancing?

When you refinance a property the ownership of the property remains the same, and the existing title remains in place.

However, the mortgage or the lender’s name typically changes. Instead of issuing a completely new title, Palm Title conducts an updated title search to confirm the property’s ownership and to ensure there are no new liens or issues that could impact the refinanced loan. This process ensures that all relevant parties are accurately reflected in the title and that the refinancing transaction proceeds smoothly without any unforeseen complications.