Refinancing your home can be a difficult decision for homeowners, especially when faced with the multitude of choices involved. It is important to consider your financial situation and contact an attorney who can guide you in making the best decision for your future. Please visit our other pages on loan modification, short sales, and bankruptcy in addition to refinancing if you are unsure of your options. Call us today for a free consultation to see how we can help you, or visit our Archive for more information.
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Our Staff and Fees
Our fees are both reasonable and competitive. Fees are charged on either a flat-fee or hourly basis, depending on the circumstances and the services provided. A list of our real estate fees is available upon request by calling, faxing or emailing us at your convenience.
Lenders & Title Order
We can begin the refinancing process as soon as we receive a Title Order from your lender. We will ask you for some basic information so we can coordinate your closing quickly and smoothly.
Spillane Law Offices is an agent for six different National Title Insurance Companies. Click on any of the names to view their websites.
Before the closing we will compile a detailed accounting of each disbursement and review the figures with you. We will also arrange for a breakdown of any mortgages on your property so they can be discharged after the recording of the new mortgage.
Our paralegals will notify you of the closing time, date and place, and advise you of all closing requirements and conditions. The closing usually takes place at our office, but other locations are possible for the convenience of all parties involved. Final closing figures are given to you as far in advance as possible (usually 24 hours prior), allowing enough time for you to secure the necessary funds in the form of a bank or certified check. In the case of a “no cash out” refinance, your funds are deposited in a mutual fund, please make arrangements to ensure that “good funds” are available at the time of closing.
You will be asked to bring with you photo identification issued by either the state or federal government. Other forms of ID such as employment badges, wholesale club cards, etc. are not acceptable.
At the closing, an attorney from our office will be present to discuss any last-minute issues, review and oversee the execution of all relevant mortgage and closing documents, insure proper disbursement of closing costs and give you a complete closing package. In the package you will find copies of all documents from your closing, including all bank papers, closing statements and an accounting of all disbursements.
Please let us know if you were satisfied with your real estate transaction and our staff. We are committed to helping you and are genuinely interested in any feedback you may have to improve our service.
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Spillane Law Offices represents clients in the South Shore and Boston area and all of Massachusetts including Abington, Boston, Braintree, Bridgewater, Brockton, Cohasset, Dedham, Duxbury, Hingham, Hanover, Hanson, Hull, Kingston, Marshfield, Milton, Norwell, Pembroke, Plymouth, Quincy, Rockland, Scituate, Stoughton, Weymouth, Whitman, and more.