[ ![Aldora](https://www.aldorasnotary.com/images/pages/Logo-Design-Transparent.png) ](https://www.aldorasnotary.com/) [ Book an Appointment](https://aldorasnotary.com/book-appointment) [ ](# "Menu") Services Offered # Mortgage Refinance Signing Agent in North Carolina Refinancing your mortgage is a smart financial move β€” and a smooth signing experience makes it even better. Aldora's Notary & Apostille Service provides mobile, professional refinance loan signing throughout Central North Carolina, ensuring your new loan documents are executed accurately and returned on time. [Contact Us Today](https://www.aldorasnotary.com/contact)Ready for your Next Signing? [Book Appointment](https://www.aldorasnotary.com/book-appointment?service=loan) Overview ## What Is a Mortgage Refinance Signing? A **mortgage refinance** replaces your existing home loan with a new one β€” often to secure a lower interest rate, reduce monthly payments, or change loan terms. The signing process is similar to your original closing: a full loan package that requires your signature, initials, and notarization in multiple places. Common refinance documents include: - **New Promissory Note** the updated repayment agreement - **New Deed of Trust** recorded to reflect the new lender's interest - **Closing Disclosure** details all costs, credits, and net proceeds - **Right of Rescission** for primary residences, you typically have 3 business days to cancel - Payoff authorization, insurance forms, and additional lender-required documents Our Process ## The Role of a Notary Signing Agent at Refinance At your refinance signing, we will: 1 Walk you through each document at a comfortable pace 2 Flag where your signature, initials, and dates are required 3 Notarize the Deed of Trust and other notarization-required pages 4 Ensure no pages are missed or left blank before the package is returned Aldora does not provide legal or financial advice β€” her focus is making sure the paperwork is executed correctly and that you feel comfortable throughout the process. Why Aldora's Notary & Apostille Service ## What to Expect at Your Signing - 🚘 **Mobile service** β€” We come to your location - ⏱️ Refinance signings typically take **45 to 75 minutes** - πŸͺͺ All signers listed on the loan must be present with a **valid photo ID** > β€œThe 3-day right of rescission clock starts after your signing date β€” We can explain what this means for your closing timeline” β€” Aldora Hunter, Owner & Notary Signing Agent ### Coverage Area Mobile refinance signing available in **Wake, Harnett, Cumberland, Lee, Moore, and Hoke Counties, NC**. Mortgage Refinance Signing FAQ's ## Frequently Asked Questions ### How long do I have to cancel my refinance after signing?+ For most refinances on a primary residence, federal law gives you a three-business-day Right of Rescission period after signing. During this time you can cancel the transaction without penalty. The clock starts the day after you sign β€” not the day of the signing β€” and Saturdays count but Sundays and federal holidays do not. Your funds are typically disbursed on the fourth business day. Your lender or closing professional can answer questions about how the rescission period affects your transaction. ### Do both spouses need to sign refinance documents even if only one is on the loan?+ In North Carolina, if the property is a primary residence, a spouse who is not on the loan may still be required to sign the Deed of Trust to release their marital interest in the property. This is a common requirement and doesn't make them responsible for the debt β€” it simply protects the lender's security interest. Your title company will confirm who needs to be present before the signing appointment. ### Will my current mortgage be paid off automatically after the refinance signing?+ Yes β€” once the Right of Rescission period ends and funds are disbursed, your title company or closing attorney uses the proceeds to pay off your existing loan directly. You don't need to do anything. You should receive a payoff confirmation from your old lender within a few weeks. If you're on autopay with your old lender, remember to cancel it once the payoff is confirmed so you don't accidentally make an extra payment. ## Ready to Schedule? Ready to schedule your refinance signing? Aldora provides mobile refinance signing services throughout Central North Carolina. 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