Why Title Insurance Matters—Even If You’re Refinancing

Most homeowners associate title insurance with buying a home, but did you know it’s just as important when refinancing? Whether you’re securing a lower rate, cashing out equity, or consolidating debt, refinancing is still a real estate transaction—and that means your title needs to be just as protected. Here’s why.

Why a Title Search Is Still Required
When you refinance, your lender requires a new title search to ensure there are no unresolved legal claims, judgments, or tax liens that could impact your home’s title. Even small errors in public records can delay your refinance or result in major complications down the line.

Understanding Lender’s vs. Owner’s Title Insurance
Your new lender will require a lender’s policy to protect their financial interest. However, this doesn’t protect you—the homeowner. An owner’s title policy ensures you’re covered in the event of a dispute or claim, giving you peace of mind whether you’re refinancing or purchasing.

Real-Life Risks: They’re More Common Than You Think
Errors in public records, unknown heirs, or improperly recorded documents can resurface—even years later. A simple oversight today could result in legal challenges tomorrow. Title insurance shields you from those unexpected issues.

How World Title Company Helps
We handle every detail of the title search and closing process to ensure your refinance goes smoothly. From clearing any issues to issuing a new title policy, we make sure you’re protected at every turn.

Refinancing is a great financial move—don’t let title issues get in the way. Trust World Title Company to make your refinance secure and seamless.