About Services Locations Reviews FAQ Blog Contact Estimate Submit Contract Order Title
Home / Services / Refinance Closing / Lender Coordination
Florida Refinance Closings

Lender Coordination on Florida Refinances

We act as the lender's single point of contact through the closing — instructions intake, conditions cleared, CD reconciled, wires verified, post-close delivered.

☎ (561) 396-2692
The Lender's Single Point of Contact

Refinance Closings Live or Die in the Lender Channel

Refinance closings have a unique communication pattern: there is one borrower and one lender. There is no buyer-seller dynamic, no listing or selling agent on either side. That sounds simple — but in practice it concentrates every closing risk into one channel. If the title company and the lender are out of sync on conditions, on the Closing Disclosure, on payoff figures, on wire instructions, or on the post-close return package, the closing slips and the rate lock burns.

Atlantic Title Firm runs the lender channel as a discipline, not an afterthought. We acknowledge closing instructions the day they come in, work title conditions one by one and document each clearance in writing to the underwriter, reconcile every number on the borrower's CD against our settlement statement, and verify wire instructions by callback on a known phone number. After signing we send the recorded Mortgage and prior-mortgage Satisfaction back to the lender on their preferred timeline so the file closes out cleanly and the loan can sell to the secondary market without exception.

3days
TRID Pre-Closing CD Window
3days
Rescission Period (Primary)
67
Florida Counties Served
1
Dedicated Lender Contact
Florida refinance lender coordination desk
What We Run

The Lender-Side Checklist

Closing Instructions Intake

We acknowledge the lender's closing instructions same-day, flag any conflicts with Florida practice, and confirm requirements in writing back to the underwriter.

Title Condition Clearance

Every requirement on the title commitment — payoffs, HOA estoppels, judgment releases, satisfaction recordings — worked and documented in writing for the lender's underwriting file.

Closing Disclosure Review

We reconcile the lender's borrower-side CD with our settlement statement to the penny — title fees, recording fees, doc stamps, intangible tax, prorations, payoffs, lender credits.

Payoff Figures Lock-In

Payoff statements ordered and verified against the lender's funding numbers — principal, interest, per-diem, fees — with good-through dates that cover the projected closing day.

Wire Confirmation

Verified wire instructions in both directions — lender funds inbound, payoffs and seller proceeds outbound — every change validated by callback to a known number.

Post-Close Package Delivery

Recorded Mortgage, recorded Satisfaction of prior Mortgage, final title policy, signed CD, executed loan docs — packaged and returned to the lender's post-close department on schedule.

Florida refinance Closing Disclosure reconciliation paperwork
The CD Is Where Closings Slip

Reconciling the Closing Disclosure, Line by Line

More refinance closings slip on the Closing Disclosure than on title work. The lender prepares the CD with its borrower-side numbers; we prepare the settlement statement with the actual Florida transaction numbers — title premium, endorsements, Florida documentary stamp tax on the Mortgage at $0.35 per $100 of indebtedness, Florida intangible tax at $0.002 per $1 of mortgage amount, county recording fees, HOA estoppel charges, payoffs, per-diem interest, escrow refunds, lender credits. Every figure has to match between the two documents or the loan cannot fund.

The reconciliation discipline

We start the reconciliation the moment the lender sends the preliminary CD, not the day before closing. Each line on the CD is mapped to a line on our settlement statement and either matches or is flagged. When we find a difference, we resolve it with the lender's closer in writing the same day. By the time the 3-business-day TRID delivery clock starts, the CD is locked. That discipline is the single biggest reason our refinance files close on the originally scheduled date.

Our Process

Lender Coordination, Step by Step

1

Instructions Intake

We acknowledge the lender's closing instructions, open the file, send the title commitment, and confirm rescission applicability.

2

Conditions, CD & Payoffs

Title conditions cleared in writing, CD reconciled line-by-line, payoff figures confirmed, every wire instruction verified by callback.

3

Schedule & Sign

Signing scheduled inside the TRID window. Borrower signs, lender disclosures delivered, rescission window starts where applicable.

4

Fund, Record, Return

Lender funds, we record the new Mortgage and prior Satisfaction, wire payoffs, then deliver the post-close package to the lender.

Common Questions

Lender Coordination FAQ

What does refinance lender coordination involve?
It means Atlantic Title Firm serves as the settlement agent and primary point of contact for the borrower's refinance lender throughout the closing. That includes intake of the lender's closing instructions, clearing every title condition listed on the title commitment, reconciling the borrower-side Closing Disclosure with our settlement statement, confirming payoff figures and wire instructions, scheduling the signing, and returning the post-close package to the lender.
How does the 3-day Closing Disclosure rule apply to a refinance?
The TRID 3-business-day rule applies to refinances just like purchases: the borrower must receive the final Closing Disclosure at least three business days before consummation. If an APR increase, loan product change, or addition of a prepayment penalty occurs after delivery, re-disclosure resets the clock. We push to get the CD into draft form early so the lender has room to disclose without delaying close anywhere in Florida.
What is the right of rescission on a refinance?
For most refinances of a primary residence, federal Truth in Lending Act rules give the borrower a three-business-day right to rescind the new loan after signing. The lender does not actually disburse loan proceeds and we do not record the new mortgage until the rescission period expires. This rule does not apply to investment-property refinances, second-home refinances, or purchase-money loans.
Do you work with out-of-state refinance lenders?
Yes. A large share of Florida refinances are funded by national and out-of-state lenders. We are familiar with the variations in their closing instructions, document packages, and wire procedures. We adapt to each lender's package while keeping the borrower informed throughout, and we close statewide across all 67 Florida counties.
What does the lender need from the title company on a refinance?
Lenders need: the title commitment naming them as proposed insured, a clear lien letter or final commitment showing all cures complete, the ALTA lender's title insurance policy, the executed Closing Disclosure or settlement statement, wire confirmation, the recorded mortgage post-closing, and the final title policy. We deliver each item according to the lender's specific timing and format requirements.
How do you handle last-minute lender changes?
Refinance lenders sometimes add conditions, change fees, or require additional documentation late in the process. We pivot quickly — obtaining borrower signatures on new disclosures, re-disclosing the CD if required, and rescheduling the signing if necessary. We always communicate timeline impact to both borrower and lender immediately so expectations stay aligned.
Related Refinance Services

The Rest of Your Refinance

Lender coordination works hand-in-hand with our title update, our payoff coordination, and our document recording. See the full refinance closing offering, review our title insurance and escrow services, check service areas on the locations page, or contact us to get started.

Closing on a Refinance?

Send Us the Lender Order

Lenders and borrowers welcome statewide. We acknowledge orders same-day and start clearing conditions immediately.

Contact Us → ☎ (561) 396-2692
Order Title Now