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Refinancing? Don't Forget Title!

Why is a title search necessary for refinancing? Even more so, why is title search necessary when someone recently refinanced their home?

Protecting Your Home

The answer to both questions is that problems could have arisen that the lender must know about before approving a new loan.


Issues that can arise between origination and refinancing can include such things as:

  • A lien incurred from a contractor who claims they weren’t paid

  • A judgment due to unpaid taxes, homeowner association dues, or child support

  • Loans that were not disclosed when applying for refinancing

  • Easements that were created

  • Building or use restrictions contained in a recorded plat, agreements, or deeds

  • Rights or claims arising out of bankruptcy

  • Unpaid parking tickets

  • Deeds recorded that do not reflect the ownership

  • Fraudulent documents recorded against the property

To sum it up, a refinance loan is no different than any other home loan. So, your lender will want to insure that the new loan they provide is protected by title insurance, just as the original lender required.


The capital market depends on the due diligence, transparency, and protection of Title Companies to make sure everyone involved is protected. That is where Willow Bend Tile comes in. Are you looking to refinance your home soon? Contact us with any questions you may have. We are here to help.

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