Refinance

HomeServicesRefinance

BROWARD COUNTY TITLE SERVICES

Fast and Accurate Refinance Closings in Broward County

Refinancing your Broward County home should lower your payment — not create stress. Ocean Title and Escrow Company provides attorney-supervised refinance closing services for homeowners, lenders, and mortgage brokers throughout Broward County and all of Florida. We ensure your payoff is handled correctly, your new loan records without problems, and your closing happens on schedule.

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Call Broward: (954) 438-8393
Years Serving Broward County
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Refinance Closings Completed
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Offices Across South Florida
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Attorney Supervising Every File
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Broward County Refinance Closing Clients

We serve homeowners, lenders, and mortgage brokers throughout Broward County who need a reliable, attorney-supervised title company for their refinance transactions — from simple rate-and-term refinances to complex cash-out and debt consolidation closings.

  • Homeowners in Pembroke Pines, Miramar, Hollywood, and Fort Lauderdale refinancing to lower their rate
  • Homeowners pulling cash out to fund renovations, investments, or debt consolidation
  • Mortgage brokers who need a responsive, experienced title partner for their Broward County pipeline
  • Lenders requiring attorney-supervised refinance closings with accurate and timely title commitments
  • Investment property owners refinancing rental properties in Broward County
  • LLC and entity owners refinancing commercial or investment assets
  • Homeowners with title complications — open permits, unreleased mortgages, or name changes — requiring legal resolution before funding

Why Broward County Homeowners and Lenders Choose Ocean Title for Refinances

Attorney-Owned — Problems Resolved Without Delays

Refinances frequently surface legal issues — unreleased prior mortgages, open permits, judgment liens, name changes, or divorce settlements — that require immediate legal action. Because Ocean Title is attorney-owned, these problems are resolved in-house without rescheduling your closing or engaging outside counsel at additional cost.

Full Title Search and Clearance Before Funding

Before your new lender funds, we perform a complete title examination of your Broward County property — identifying unreleased mortgages, open permits, judgments, HOA balances, and any other encumbrances that could delay funding or create future title defects. We clear every issue before the closing table.

Accurate Mortgage Payoff Coordination

We obtain verified payoff statements from your existing lender and confirm the payoff amount is correct down to the day of closing. An incorrect payoff can delay your loan funding or leave a prior mortgage unreleased in public records. We manage this process precisely so your refinance closes cleanly and your old mortgage is properly satisfied.

Flexible Closing Options — On Your Schedule

We accommodate every borrower's schedule with in-office closings at our Pembroke Pines location, mobile notary services, remote online notarization, and after-hours appointments when needed. Your refinance timeline should not be dictated by a title company's availability — we work around yours.

Lowering Your Payment Should Feel Like Progress — Not Paperwork

Ocean Title and Escrow Company guides Broward County homeowners from title search to funding with clear communication and attorney-level oversight. Contact us today to schedule your refinance closing and get your new loan recorded without complications.

Broward: (954) 438-8393|Miami: (305) 542-8684
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What Your Refinance Title Company Handles in Broward County

  • Full title search and examination of your Broward County property
  • Identification and clearance of liens, judgments, and open permits
  • Existing mortgage payoff coordination and verification
  • Lender title insurance issuance — required for your new loan to fund
  • Closing document preparation and review
  • In-office, mobile, and remote online notarization options
  • Same-day recording of your new mortgage after closing
  • Disbursement of funds according to lender instructions
  • Delivery of final title policy and closing package

A refinance is a legal and financial transaction — not just a signing appointment. The title company acts as the neutral settlement agent between you, your current lender, and your new lender. Every step must be executed in the correct sequence, with accurate figures and properly recorded documents, to ensure your old mortgage is released and your new loan is protected.

At Ocean Title and Escrow Company, we have handled refinance closings throughout Broward County for more than 25 years. Whether you are refinancing a primary residence in Pembroke Pines, an investment property in Miramar, or a commercial asset in Fort Lauderdale, our attorney-supervised team manages every detail from title search to funding.

Common Refinance Title Issues We Resolve in Broward County

Refinance transactions in Broward County frequently surface title issues that were unknown to the homeowner — and that must be resolved before the new lender will fund. Because we are attorney-owned, these issues are handled immediately rather than causing scheduling delays or requiring outside legal referrals.

Identifying and resolving title problems before the closing date is one of the most important services a refinance title company provides. We make it a standard part of every file we open.

Unreleased Prior Mortgages

Old loans paid off but never formally released in public records — we identify and clear them.

Open Permits

Unpermitted work or expired permits that create title defects — we resolve before funding.

Judgment Liens

Liens against the borrower that attach to the property — we negotiate payoffs or challenge validity.

Name Changes and Divorce

Title vesting discrepancies from marriage, divorce, or name changes — our attorney corrects them.

Your Refinance Closing Process in Broward County

01 Title Search and Examination

As soon as we receive your refinance order, we initiate a full title search on your Broward County property. We examine all recorded documents — deeds, mortgages, liens, judgments, HOA balances, open permits, and any prior encumbrances — to produce an accurate title commitment for your new lender. Any issues discovered at this stage are communicated immediately so resolution can begin before your closing date.

We contact your current lender directly to obtain a verified payoff statement — the exact amount required to satisfy your existing mortgage as of the closing date, including per-diem interest calculations. We verify the payoff figure for accuracy and confirm wire instructions through secure protocols to protect against fraud. An incorrect payoff is one of the most common causes of post-closing problems in refinance transactions.

If the title search reveals any liens, judgments, unreleased prior mortgages, open permits, or other encumbrances, we begin resolution immediately. As an attorney-owned title company, we handle legal title issues in-house — negotiating payoffs, obtaining releases, challenging improperly recorded liens, and resolving name or vesting discrepancies — without requiring you to engage separate legal counsel or reschedule your closing.

Your new lender requires a lender’s title insurance policy as a condition of funding. We issue a title commitment through a national underwriter based on our title examination and confirm all conditions are satisfied before closing. Lender title insurance protects the new lender against title defects — including issues that may not have appeared in the title search — and is a standard requirement for virtually every refinance transaction.

We prepare all closing documents in accordance with your lender’s instructions and schedule the signing at a time and location that works for you. Whether you close in our Pembroke Pines office, with a mobile notary at your home or workplace, or through remote online notarization, we ensure every document is properly executed and every figure matches your lender’s approved closing disclosure.

After signing, we immediately record your new mortgage with the Broward County Clerk of Courts and disburse funds according to your lender’s instructions — including the payoff of your existing mortgage, payment of closing costs, and if applicable, disbursement of your cash-out proceeds. We confirm recording, obtain final lien releases from your prior lender, and deliver your final closing package and title policy.

Frequently Asked Questions — Refinance Closings in Broward County

What does a title company do in a refinance transaction?

In a refinance, the title company serves as the neutral settlement agent between you and your new lender. We conduct the title search, issue the lender’s title insurance policy, obtain and verify your existing mortgage payoff, prepare closing documents, coordinate the signing, record your new mortgage with Broward County, and disburse funds. The title company is responsible for ensuring the transaction closes legally and accurately — protecting both the homeowner and the new lender.

Most refinance closings in Broward County take between 30 and 45 days from lender approval to closing, depending on how quickly the title search is completed, whether any title issues arise, and lender processing timelines. The actual signing appointment typically takes 30 to 60 minutes. Ocean Title works efficiently to keep your closing on schedule and communicates promptly if any delays are anticipated.
Lender’s title insurance protects your new lender against title defects — including issues that may not have been discovered in the title search — such as forged documents, undisclosed heirs, recording errors, or liens that were improperly released. Almost every lender requires a lender’s title insurance policy as a condition of funding your refinance. This is separate from owner’s title insurance, which protects your own ownership rights and is typically purchased at the time of the original purchase.
The most common title issues that delay refinance closings in Broward County include unreleased prior mortgages from old loans that were paid but never formally released in public records, open building permits from prior renovations, judgment liens against the borrower that have attached to the property, HOA balances, and name or vesting discrepancies caused by marriage, divorce, or legal name changes. Because Ocean Title is attorney-owned, every one of these issues can be resolved in-house without delays.
Yes. Ocean Title offers remote online notarization for refinance closings when permitted by your lender, as well as mobile notary services that bring the closing to your home, office, or another location of your choice throughout Broward County. We also offer after-hours and weekend appointments at our Pembroke Pines office for borrowers with scheduling constraints. Our goal is to make your closing as convenient as possible.
Yes. We regularly handle refinance closings for investment property owners and entity borrowers throughout Broward County — including single-member and multi-member LLCs, corporations, and trusts. Entity refinances require additional documentation, including operating agreements, corporate resolutions, and EIN verification. Our attorney-owned team reviews all entity documentation to ensure lender requirements are satisfied and the closing is properly structured.
A cash-out refinance replaces your existing mortgage with a new, larger loan — allowing you to receive the difference in cash at closing. The title and closing process is essentially the same as a standard refinance, with the additional step of disbursing your cash-out proceeds after recording. We coordinate the full disbursement process and ensure your new mortgage amount, payoff figures, and cash proceeds are all accurate before any funds are released.
Let’s Start Talking

Your Transaction,
Our Priority

Whether you are buying, selling, refinancing, or investing, our team is ready to guide you through every step. Contact us today and we will take care of the rest.
Broward Office

11200 Pines Blvd,
Suite 200
Pembroke Pines, FL 33026
(954) 438-8393
oibrahim@titleocean.com

Miami Office

1900 N. Bayshore Dr.,
Suite 1-A
Miami, FL 33132
(305) 542-8684
oibrahim@titleocean.com

Schedule Your Refinance Closing in Broward County

Our Pembroke Pines office serves homeowners, lenders, and mortgage brokers throughout Broward County. Contact us today to open your refinance file — we will confirm title requirements, schedule your closing, and keep your transaction moving toward funding.

Pembroke