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Refinancing a home loan requires your lender to fund a new loan, which then requires a new Lender’s Title Insurance Policy, and that’s where we come in.

As a locally owned and operated title insurance company, Artesian Title has closed over 30,000 transactions not just due to our years of experience but because we care. In addition, with our Real Rebate savings we offer 20% off the cost of title insurance for refinancing in Florida if you order our services online. We maintain communication among all involved parties, are well versed in the latest IRS guidelines and policies, and specialize in Florida laws and regulations to make this process as organized and easy as possible.

To keep you on top of your case Artesian Title sends weekly email updates during “Peace of Mind Fridays™”, and host call centers staffed with experienced representatives waiting to answer your every question or request. We house a team of licensed attorneys that pour over every file in your case, have Concierge Closers ready to race to your side at a moments notice to close, and as a result have become the highest rated title company in the state of Florida with positive reviews from both returning and first-time customers.

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Why Refinance?

The reasons people choose to refinance generally fall into one or more of four main categories….

1.) Lower Interest Rates and Payments

It is really simple math. Lower the rate of interest on your loan and you lower your monthly premiums. Go even further and switch from a fixed to an adjustable rate loan or extend terms and you could lower monthly payments dramatically.

2.) Build Equity

Some buyers opt to refinance their mortgage to a shorter term. Payments may stay the same or even increase, but paying interest over a shorter term will build equity faster—potentially saving thousands in interest charges. Plus, as a bonus, the loan gets paid off sooner!

3.) Cash for Equity

Whatever equity you may have in your home, either from paying mortgage premiums for years or from upturns in the market or both, can usually be turned into cash. Mortgage interest rates are often less than the interest on other consumer loans, with the added benefit of a potential tax deduction at the end of the year.

4.) Debt Consolidation

Homeowners with considerable credit card debt, auto loans and second mortgages can refinance to consolidate that debt under a new mortgage. Because mortgage interest rates are usually much lower than on other consumer loans, there can be substantial savings there. More importantly, interest on a mortgage is usually tax deductible, unlike on credit cards and auto loans.

Refinancing Fees At A Glance

Think of it this way—refinancing your home simply means you’re getting a whole new mortgage. And like the mortgage you have now, the new one comes with its share of standard fees and costs you can expect to incur….

Loan Origination Fee (sometimes referred to as “points”): It’s the fee your lender will charge you for making the loan. It could be listed as a separate line item or as a percentage (points) of the loan amount. One percent equals one point.

Application Fee: You’ll pay a processing fee to have your application considered. If your loan is rejected, the application fee will most likely be forfeited.

Appraisal Fee: Your lender will want to establish current market value for your home to support the loan. No matter how recent your last appraisal was, expect to pay for another one.

Credit Report Fee: Your lender will also want a look at your current credit status. You may be paying your current mortgage like clockwork and may have qualified easily for it. It doesn’t mean your lender will automatically okay you for the refinance.

Recording Fees and Taxes: These are the costs associated with registering your property with the county. Even though the property hasn’t changed hands, the deed needs to be updated and the new mortgage and lender recorded. Be sure and see what the county charges for this. Lenders and/or title companies can inflate these costs to create another revenue source.

Title Search/Title Insurance: Like the other fees, though you had a clean title on the property previously, the new lender will want their own confirmation this time. They want to verify your ownership and that you have not incurred any liens on the property.

Attorney’s Fees: If the lender hires an attorney to review all documents before closing, you will need to reimburse them for it. Or, you could opt to hire your own attorney to do the same thing.

Closing Fees: This is the cost to have an attorney or title company conduct the closing. Your lender may recommend someone but you are free to shop around and compare prices. You just might save some money if you do.

These are the most likely fees you will face when you choose to refinance your home. There may be others: Discount Points, Re-conveyance Fees, Wire Transfer Fees, etc. But those can often be avoided or negotiated away by shopping around.

Refinance scenarios are as individual as the people who apply for them. But if you rely on reputable and experienced resources, a refinance loan can be well worth the effort it takes to secure it.

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