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Refinance Course Tutorial
Starting with YOU and ending with YOUR HOME follow the path to your closing by simply clicking on the processes and fees you want to learn about.

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myClosingSPACE
my CLOSING SPACE
  The Process The Fees
  Get a myClosingSPACE Quote for Title Insurance Title Insurance Premiums
  Order Title Title Research & Documentation
  Title Report Closing & Settlement Services
  Clear Title Issues State & Local Transaction Taxes
  Issue Final Policy
  Record Documents


The Process

  Get a myClosingSPACE Quote for Title Insurance page top
  The first step to managing costs and controlling the real estate transaction is to understand what is being charge and what services are being provided. Getting a quote for title insurance up front allows you to shop around for the best price for title insurance and closing services.

  Order Title page top
  myClosingSPACE.com gives you control of the Title Insurance process and saves you money by letting you order your own Title Insurance online. Why let someone else order Title Insurance for you?

  Title Report page top
  The Title Report is the first step in obtaining a Title Insurance policy. Even when refinancing it is necessary to obtain a title report. After a search of all public land and court records affecting a property and all people and parties to a transaction a summary of all records discovered is issued in the format of a commitment. It details all issues discovered including mortgages, liens and judgments and items that may not be covered by the insurance. It will also indicate issues outside the realm of title insurance. If you are refinancing your mortgage, your attorney, and the lender should all receive a copy of the title report. At myClosingSPACE.com we save you time by interacting with all these parties and sending them the title report.

  Clear Title Issues page top
  The Title Report details all items including mortgages, liens and judgments in an itemized format. The myClosingSPACE.com Title Report provides a summary Title Alert Sheet of all the issues. In addition to the items above this may include building department violations, unpaid taxes or water bills and other items that need to be addressed. At myClosingSPACE.com we save you time and frustration by interacting with the lender, attorneys and all parties to assist in resolving any title issues.

  Issue Final Policy page top
  In most states, the final title insurance policy is issued after all documents are recorded so that the correct recording information can be included in the policy although the policy takes effect at the time of closing. In other states the final title insurance policy is issued at the closing table.

  Record Documents page top
  After the closing certain signed documents including the mortgage and deed are taken to the local county clerk to be put on record. This guarantees the mortgage to the lender that has issued it.


The Fees

Guaranteeing the lowest rates permissible by law, myClosingSPACE.com details all of the fees and charges on the Title Insurance & Settlement Services bill. Some of the fees are charged by the Title insurance & Settlement Company, while others — such as taxes and recording fees — are paid directly to a government agency. When refinancing most states offer a lower rate for title insurance so contact your myClosingSPACE.com customer service representative to find out if you qualify.

  Title Insurance Premiums page top
  Title Insurance Premiums are statutory rates regulated by the state for the policies and endorsements issued for all types of residential real estate transactions. Again, most states offer a lower rate when refinancing a mortgage so make sure to contact myClosingSPACE.com or simply get a quote to see if you qualify for a lower title insurance premium.

  Title Research & Documentation page top
  This is a search of all public land and court records affecting a property and all people and parties to a transaction. The records are required to compile the Title Report, the first step in obtaining a Title Insurance policy. The Title report is a summary of all records discovered issued in the format of a commitment. myClosingSPACE.com can save you hundreds of dollars in fees that other companies may charge such as overnight, courier fees, copy charges or other "miscellaneous" service fees.

  Closing & Settlement Services page top
  At myClosingSPACE.com, we realize that with today's busy lifestyles, scheduling a closing can be a difficult task. That's why our company also offers settlement services as a representative of the lender. How does this benefit a borrower? By representing both the lender and the Title Company, there is one less person to account for when scheduling the closing. At myClosingSPACE.com, we pride ourselves on being ready to close anytime, anywhere. A Settlement Agent will conduct the closing and notarize all the documents. The Settlement services team will interact with the lender, clear the loan for funding and confirm all payoffs. The funds will be accurately and efficiently disbursed to all parties. After the settlement, myClosingSPACE.com, will record the new deed in the Courthouse, disburse all funds and relevant documentation to the proper parties, and issue the refinance Title Insurance Policy.

  State & Local Transaction Taxes page top
  The local and state government may charge a tax on the amount of the mortgage refinancing. Other local & state taxes may be charged based on other variables. Contact myClosingSPACE.com to find out what these other taxes may be and whether you will need to pay them.













































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