What Clients Are Saying...

"I had a wonderful experience when I recently used Getter Law for refinancing my mortgage. They were professional, prompt and made it a quick and effortless process. - P.K., Client
Refinance FAQ

1.  How do I schedule the closing to refinance my home loan(s)?

In general, your mortgage broker will contact our office to schedule the time for your closing. Our regular office hours are Monday-Friday 9:00am to 5:00pm.  We want your closing to be convenient for you, so please contact our office if the traditional office hours do not work for you. We are happy to arrange early morning, evening, or weekend closings to accommodate your schedule.

2.  What should I expect at closing?

In most cases, closing takes approximately forty-five minutes of your time.  The closing attorney will review the documents that your new mortgage lender(s) requires you to sign.  The closing attorney is there to explain each document and answer any questions you may have including the terms of your new loan(s), your interest rate(s), etc.  You will leave the closing with a copy of all the documents you have signed so that you may review them again at your convenience.

3.  Can I cancel my refinance after I have signed the papers?

Usually yes.  In most cases, you have three business days to rescind on your refinance paperwork for loans taken on your primary residence.  Please be aware that this doesn't apply to the refinance of second homes or investment properties.

4.  What if my mortgage broker told me I need to bring funds to closing?

Please bring a certified check or money order payable to "Getter Law Offices, PA".  Regardless of the amount, cash cannot be accepted.

5.  Do I need title insurance?

Most likely, yes.  Almost all refinance transactions require title insurance.  Premiums for your title insurance are based upon your loan amount. Unlike other insurances (i.e. health, car, etc.) this premium is paid at closing and then no further payment is due.

6.  Do I need a survey?

Probably not. Most refinance transactions do not require a new survey of your property to be completed.  However, title insurance does not cover anything that would have been discovered by an updated survey.

7.  Does my spouse need to attend the closing?

Probably yes. Even if your spouse does not appear on your Deed, it is likely that they will need to attend closing.  Even if your spouse is not a borrower on your new loan(s), it is likely that they will need to attend closing.  Similarly, anyone else who has a vested interest in the property will also need to attend closing.

8.  What if I am receiving cash out of funds from my refinance?

Your funds will not be available at the time you sign your documents.  Once your rescission period has expired, your funds can either be wired into your banking account, mailed to you, or you can pick up a check at Getter Law Offices, PA.  If your loan did not have a three-day right-of-rescission, your funds are available after your new loan has been recorded with the county Register of Deeds.

9.  What happens after closing?

Your closing attorney will advise you on when your first payment is due to your new mortgage lender(s).  You may also receive back interest and/or escrow refunds from your old lender(s).

10.  Does Getter Law Offices, P.A. practice other types of law?

Yes.  Please contact our office if you are interested in Getter Law Offices, PA assisting you with your other legal needs

 

What To Bring To Closing

Make sure you come to your closing prepared!  We've compiled a list of things to remember to bring to your closing.

Contact Getter Law

(P) 919.676.1900

Info@GetterLaw.com

7500 Six Forks Rd # 101, Raleigh, 27615

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