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The process of closing on your refinance will be much like it was when you bought your home, though you’ll be working more closely with your mortgage professional. They’ll be in charge of making sure everything goes smoothly. 

While fewer parties will be involved, you should still expect to spend time carefully reviewing and signing loan documents including a closing disclosure, deed of trust or mortgage, and promissory note. You’ll also need to pay the closing costs and, if applicable, fund an escrow account with prepaid homeowner’s insurance and property taxes. Your mortgage professional will make sure you know exactly what’s needed before closing day.