Real Estate Refinance Closings
Refinancing your property allows you to to access equity, secure better interest rates, or consolidate debt. It can also be a complex transaction. From reviewing your mortgage documents and performing title searches to coordinating with lenders and meeting deadlines, every step demands expertise and precision. That’s where we come in.
We guide you through the refinancing process with care, protecting your interests at every turn. With our specialized focus on real estate law, transparent pricing, and personalized communication, we’re here to make your refinancing experience seamless, secure, and stress-free.
Types of Refinancing We Handle
- Major Bank Mortgages
- BMO, CIBC, Scotiabank, RBC, TD, National
- Small Institutional Lenders
- Small Banks, Credit Unions, B Lenders
- Private Mortgages
- Bridge Financing
- Second Mortgages
- Construction Financing
- Reverse Mortgages
Our Process for Refinance Transactions
Mortgage Instruction Review
We carefully review the mortgage terms and conditions to ensure they align with your financial goals and protect your interests.
Title Search
We perform a thorough title search to confirm clear ownership and address any liens, claims, or issues that could delay your refinancing process.
Lender Coordination
We work directly with your lender—whether a major bank, small institution, or private lender—to manage document submission, address queries, and ensure all conditions are met.
Signing Appointment
Clients can choose between a virtual signing appointment via video conference or an in-office meeting. During this appointment, Zachary walks clients through each document, explains what they’re signing, and answers any questions about the legal or financial aspects of the closing.
Funds Transfer and Registration
We oversee the discharge of your existing mortgage and the registration of the new one, ensuring the process is smooth and you receive your funds.
Why Choose Us?
Real estate transactions are our sole focus, ensuring exceptional service for purchases, sales, refinances, and title transfers.
No hidden fees or surprises — our legal fees are clear and transparent so you’ll know exactly what to expect on closing day.
As a small, dedicated team, we're personally available to guide you through your transaction.
My 7 years as a real estate broker give me unique insight into both sides of the transaction, helping to protect your interests.
Zachary Soccio-Marandola
Real Estate Lawyer
Direct: (647) 797-6881
Email: zachary@socciomarandola.com
Frequently Asked Questions
Do I need to hire a lawyer to refinance?
It depends on the type of lender. Some major banks may have internal options, however, for smaller or private lenders, a lawyer will typically be required to represent the borrower.
How much are legal fees when refinancing?
Legal fees for refinancing a property will depend on the value and type of lender. Our all-inclusive legal fee starts at $1199 for a Refinance Transaction.
When should I hire a real estate lawyer to refinance?
You should hire a real estate lawyer as early as possible to complete a title search and review any mortgage instructions.