About refinances
A refinance is a closing for a new loan paying off an old one. Polo | Pimentel Law handles residential and commercial refinance closings across Florida — often at lower cost than the borrower's first closing because title work from the prior closing can sometimes be leveraged.
We review the lender's closing package, verify the closing disclosure, confirm payoff accuracy, manage title requirements, and close the transaction — all with an attorney in the loop.
What we handle
Document review
Note, mortgage, closing disclosure, affidavits, and any lender-specific riders. We flag errors before you sign.
Payoff coordination
We confirm the payoff amount with the current lender, verify interest accrual and any fees, and coordinate the payoff wire.
Title requirements
Most refinances require a lender's title policy. We coordinate the title work and keep costs as low as possible.
Florida intangible and doc stamp tax
Refinances in Florida trigger specific recording taxes. We calculate and handle the recording correctly.
Questions we hear
Related services
Residential Closings
Attorney-led residential closings — document preparation, escrow management, disbursement, and post-closing cleanup.
Commercial Closings
Complex commercial transaction closings, multi-party coordination, entity documentation, and lender requirements.
Title Insurance
Owner's and lender's title insurance, title searches, defect resolution, and title insurance claims assistance.
Need help with refinances?
Schedule your free consultation. We respond to every inquiry within one business day.