Overall, you can expect your loan package to have two sets of instructions; one from the lender and the other from escrow. You can expect all the documents we've discussed as well as a long list of individual affidavits including a Signature Name Affidavit, a Compliance Agreement, an Occupancy & Financial Status Affidavit and various disclosures describing your rights in the transaction.

Keep in mind that any refinance transaction in California provides borrowers 3 business days to review all the documentation and cancel the transaction if necessary. This time is provided for your protection. Take the opportunity to review all the documents. I know it probably all seems confusing or even boring, but you'll learn a lot about the process by reading the documents involved. I know I did when I still had my signing business, and now I'm doing loans full time. You never know where this stuff leads.

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