What Documents Will I Sign at a Refinance Closing?

Understanding Your Refinance Closing Documents

A refinance closing involves fewer parties and typically simpler document packages than a purchase closing, but there's still a significant amount of paperwork to review and sign. Knowing what to expect helps you feel confident and prepared when you arrive at your notary appointment.

Core Documents You'll Sign at Refinance

Most refinance closings include these essential documents:

• The Promissory Note: Your promise to repay the loan under the new terms. This is the document you sign that obligates you legally to the debt.
• The Mortgage or Deed of Trust: Gives the lender a security interest in your home. It ties the property to the loan and allows foreclosure if you default.
• Closing Disclosure (CD): A federally required form that shows the final loan terms, interest rate, monthly payment, closing costs, and your cash-to-close amount. You'll receive this at least three business days before closing.
• Title Documents: May include a title affidavit or updated title commitment, depending on your lender's requirements.

Additional Forms You May Sign

Depending on your refinance type and lender, you might also encounter:

• 1003 Loan Application: Confirms your personal information, income, employment, and assets.
• 4506-C (IRS Form): Authorizes the lender to verify your tax returns directly with the IRS.
• Borrower Authorization Form: Allows your lender to conduct a final credit check before funding.
• Statement of Information: Updates any changes to your personal details since your original loan.
• Flood Zone Certification: Confirms whether your property is in a flood zone and if flood insurance is required.
• Appraisal Disclosure: States that you have the right to a copy of your home's appraisal.
• Privacy Notice & E-Consent: Disclosures about how the lender handles your personal information and your agreement to receive documents electronically.

What a Notary Does—and Doesn't Do—at Your Closing

As a certified notary signing agent, I verify your identity, witness your signatures on required documents, and apply my notary seal to pages that require it. Important: A notary is not a lawyer and does not give legal advice or explain what documents mean. My role is to confirm you are who you say you are and that you're signing of your own free will.

If you have questions about the content or terms of any document, contact your lender, real estate attorney, or loan officer before the closing appointment.

How to Prepare for Your Refinance Closing

Make your closing smoother by:

• Reviewing your Closing Disclosure at least three days before signing
• Bringing a valid photo ID (driver's license, passport, or state ID)
• Confirming your current address matches your loan documents
• Writing down any questions for your lender before the appointment
• Asking your lender which documents require notarization

Mobile Notary Service for Your Refinance Closing

At Integrity Closings CLT, we provide mobile notary services throughout the Charlotte metro area and Monroe/Union County. We come to your home, workplace, or preferred location—eliminating the need for you to travel to a title company office. If you're refinancing and need a dependable notary signing agent, contact us today to schedule your appointment.

For more details on what to bring and how to prepare, see what to have ready for your notary appointment.

Questions? Reach Out

Every refinance is different, and your lender may require additional documents. If you're unsure about your closing or need a mobile notary in the Charlotte or Monroe area, call Frank Coxx at 980-372-4103 to discuss your specific situation.