(909) 435-0271
Refinance escrow

Refinance your home with an escrow team that answers the phone.

Lowering your rate, taking cash out, or opening a home equity line of credit? We can connect you with lenders, and once your loan is approved we handle the escrow: paying off your old loan, coordinating your signing, recording the new loan and sending any cash-out funds.

Open an escrowCall (909) 435-0271

How it works

  1. Step 1

    Choose your lender

    Work with your own lender, or ask us and we can connect you with lenders who refinance in the Inland Empire. Ask your lender to name Swift Settlement Escrow.

  2. Step 2

    We open escrow

    We order your current loan payoff, confirm property taxes and any HOA balance, and coordinate with the title company.

  3. Step 3

    Sign your documents

    Once the lender sends final loan documents, we schedule your signing at our Redlands office or with a mobile notary.

  4. Step 4

    Fund and record

    The new loan funds, your old loan is paid off, the new deed of trust records, and any cash-out is sent to you.

What to have ready

  • ✓Your new lender's name and loan officer
  • ✓Current mortgage statement and loan number
  • ✓Any second loan or HELOC statements
  • ✓Homeowners insurance details
  • ✓HOA name and contact, if any
  • ✓Government-issued photo ID for signing

Common questions

Do I need escrow for a refinance?+

Many California lenders use an independent escrow company to pay off the old loan and close the new one. You can ask your lender to use Swift Settlement Escrow.

How long does a refinance escrow take?+

Escrow usually moves as fast as your lender's approval. Once loan documents are ready, signing and funding typically take a few business days. California also gives you a three-day right to cancel on most owner-occupied refinances, which affects when funds are released.

What happens to my current escrow (impound) account?+

Your old lender closes its impound account and refunds any leftover balance to you after the payoff, usually within a few weeks. Your new lender may open a new one.

What does it cost?+

Fees depend on the loan amount and your lender. Call us and we'll give you a written estimate.

Starting a refinance?

Tell us your lender and timeline and we'll take it from there. Call (909) 435-0271, Monday–Friday 9am–5pm, or send us a message. Swift Settlement Escrow is an independent escrow company licensed by the California DFPI, License No. 96DBO-216415.