Lower title pricing. Faster refinance closings.
Your borrower already earned a lower rate. Make sure they get a lower title bill too — and make sure you're the one who found it.
Your refinance order should cost your borrower less. Here, it does.
On a refinance, the property was almost always insured before. That file qualifies for a reduced reissue rate on the lender's policy — a discount most title shops never bother to apply.
OnRecord applies it every time. Your borrower keeps hundreds at the closing table, and you're the loan officer who caught the savings nobody else mentioned.
OnRecord also extends a special lender's rate to our loan officer partners — pricing built to keep your refis penciling even when margins are thin.
- Reissue / refinance rates applied on every eligible file
- A special lender's rate for our loan officer partners
- Instant title & net-sheet quotes you can hand a borrower in seconds
- Direct lender coordination built around your rate-lock deadline
- Same-day document turnaround when possible
A 1-800 title mill is not a closing partner.
When your borrower's refinance gets routed to a national online lender's in-house title operation, it lands in a queue three time zones away. No name. No phone number that reaches a person. Your borrower becomes a ticket — and your closing date becomes a guess.
That's the file that stalls in "processing" until the rate lock is gone. Here's what a local partner does instead.
- A Utah escrow officer who answers the phone — so your deal doesn't sit in a queue and you actually hit your rate lock.
- Knows Utah recording, county fees, and HOA quirks cold — so an out-of-state surprise never blows up your closing the day of.
- Mobile and after-hours signings across the Wasatch Front — so your borrower signs on their schedule and you fund on time.
- Real wire-fraud protection from a human who calls to verify — so your borrower's money, and your reputation, stay protected.
Send your next refinance order to OnRecord. Your borrower gets the lower number and the faster close — and you get the partner who picks up.
Send a refinance orderCommon questions
Do I need a new owner's title policy when I refinance?
No. A refinance only requires a new lender's title policy — your existing owner's policy stays in place. That keeps refinance title costs well below a purchase.
Does OnRecord offer reissue or refinance rates?
Yes. Refinance transactions qualify for lower lender's-policy pricing, and we provide instant quotes so you can set borrower expectations up front.
How fast can you close a refinance?
We keep refinance files moving with quick, clean turnarounds and work directly with your lender — so your borrower closes on time without chasing a 1-800 title mill.