“They knew I was in a time crunch since my builder had my project delayed for months so they made sure they had everything organized before I came in to sign so it was quick and efficient.”Tanya S. · Google review
Refinance · CT · MA
A refinance is a new mortgage. Treat it like one.
Much of the same legal review as a purchase, with real risk if it's rushed. We read the loan documents and work to protect your rights.
How a Connecticut refinance closing goes.
Fewer moving parts than a purchase, but the same care. Four steps, and we explain each as we go.
Loan docs reviewed
We read the note, mortgage, and closing disclosure, and confirm the rate, term, and figures match what your lender promised.
Title rundown
We check for any new liens since you bought, and arrange the lender's title insurance policy.
You sign
Usually at your home or our office, in under an hour. We walk you through every document.
Funds and recording
We coordinate the payoff of your old loan and record the new mortgage.
The one timing quirk: a three-day right of rescission.
On most refinances of your principal residence, federal law gives you three business days to cancel, so the loan funds three business days after signing, not at the table. Refinancing with your current lender is generally exempt, except as to any new money borrowed. We tell you the exact dates up front.
The fee: a flat $950.
Quoted in writing before we start, with no hourly surprises. Third-party costs like the title rundown and recording are billed separately, at cost. Send us your Loan Estimate and we'll confirm your exact number within one business day.
Refinance vs. purchase closing: what's the same, what's different.
You will need a new lender’s title policy, and the title insurance calculator will price it. A refinance shares the legal backbone of a purchase, minus the parts that involve a seller.
Same as a purchase
The legal review is much the same.
- An attorney conducts the closing
- Loan documents read and the figures confirmed
- Title checked and lender's policy issued
- We work to protect your rights through funding
Different from a purchase
Lighter, and a little faster.
- No seller and no price negotiation
- No deed transfer, because you already own it
- Your owner's title policy stays in force
- On a principal residence, a three-day rescission before funds release
The legal points above describe Connecticut. Massachusetts case law requires an attorney's substantive participation in a closing; Rhode Island does not require an attorney to conduct every closing, though certain steps still call for one. Ask us how your state applies.
The review is the same. The stakes are the same.Refinancing in Connecticut · Mancuso Carey
Refinancing? Start here.
The questions we hear most. If yours isn't here, just ask.
Do I need an attorney to refinance in Connecticut?
A refinance is a new mortgage, and in Connecticut the law requires the closing be conducted by an attorney, just as with a purchase. We review the loan documents, run a title rundown, confirm the figures, and conduct the signing.
Is a refinance simpler than a purchase closing?
Often, yes. There's no seller, no deed transfer, and no buyer-side negotiation. But the legal review is the same, with the same risks if it's done carelessly.
Do I need a new title search to refinance?
Your lender will typically require a title rundown and a new lender's title insurance policy. Your existing owner's policy stays in effect.
How long does a refinance closing take?
The signing often takes under an hour. Most refinances of your principal residence carry a federally required three-day right of rescission, so the loan funds three business days after signing. Refinancing with your current lender is generally exempt, except as to any new money borrowed.
What does the attorney cost for a refinance?
Our attorney fee is a flat $950 for most refinance closings, quoted in writing before we start. Third-party costs like the title rundown, the lender's title policy, and recording fees are billed separately, at cost. Send us your Loan Estimate and we'll confirm your exact number within one business day.
Doesn't the closing attorney work for the lender?
Not here. We represent you. We read the loan documents for your benefit, confirm your wire instructions with you directly before any funds move, and coordinate the payoff of your old loan.
This is general information, not legal advice. Every situation is different. Reach out to discuss yours.
The firm, in figures
Connecticut closings
10,000+
Years serving CT
15+
CT offices statewide
4
Google review rating
4.8
What our clients say
Reviews from Connecticut
Reviews from Connecticut
homeowners.
“Outstanding attorneys who combine deep legal expertise with genuine care for their clients.”Dov V. · Google review
“Everyone was very kind and friendly. Super helpful and accommodating.”Jalaisy A. · Google review
We respond within one business day.
Tell us a few details about your transaction. A member of the team will follow up with next steps.
Refinancing in Connecticut?
Send us your loan estimate or closing disclosure and we'll handle the legal side. We respond within one business day.
Start my refinance
Refinance · CT · MA
(860) 603‑2258