What does a title company do in an Ohio refinance?
A title company checks that you legally own your home. It looks for liens, unpaid taxes, or other issues. It prepares and records your new mortgage. This protects you and your lender.
Do I need a title company if I already own my home?
Yes. A refinance is still a legal real estate transaction. Your lender requires title work to confirm ownership and secure its loan.
Why does local Ohio experience matter in a refinance?
Each Ohio county has its own recording rules and timing. A local title company knows these rules. This helps avoid delays, rejected filings, and funding problems.
What problems can delay a refinance closing?
Common issues include:
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Old mortgages not released
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Open HELOCs
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Judgment or tax liens
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Errors in past deeds
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County recording delays
A good title company finds these early.
How long does the title process take for a refinance?
Most Ohio refinance title work can be completed within a few days. Timing depends on lien issues and county recording speed. Early review helps prevent delays.
Will the title company work with my lender?
Yes. The title company coordinates directly with your lender. This includes payoffs, documents, and funding requirements.
Can I choose my own title company for a refinance?
Yes. Homeowners usually have the right to choose their title company. You are not required to use the lender’s default option.
Why choose Fidelity Land Title Agency for an Ohio refinance?
Fidelity Land Title Agency offers strong Ohio experience, clear communication, and careful attention to detail. Their team works closely with lenders to keep refinances smooth and on schedule.
How do I get started with Fidelity Land Title Agency?
Contact their office once your lender begins the refinance process. Early title review helps avoid last-minute issues and keeps your closing on track.