Property transfers or Refinancing

Property Transfers

Property Transfers require a deed, which is a legal document used to assign or transfer ownership of real estate.  This deed transfers title to the land and any improvements such as a house or building.  Typical language used to convey property may be grant, assign, convey or warrant. To be effective a deed must be delivered to buyer.  A deed should be recorded in County courthouse where property documents are recorded. You can go to the County courthouse to look up history of property.  Today transfers are recorded electronically and deeds are scanned into software available online.


Refinances require many of the same steps in a typical real estate closing. However, no need for a new deed unless lender requires one. This is going to involve obtaining a new mortgage and note on real estate. A settlement company is required to close a refinance transaction. Lender’s are going to protect their interest in real estate by requiring a Lender’s title insurance policy on this refinance. An owner’s title insurance policy is not issued upon refinance.


Talk about pressure, my lender provided me with a list of 1 recommended real estate closing company. I found the courage to speak up for myself and made the decision to select Westmoreland Paralegal Services for my closing company.

Janice Ritsko – Home Buyer

Gail worked with my schedule to set our meetings.  Before my real estate closing, she provided me with my itemize closing fees so I knew what to expect. Oh and by the way, I recommend Gail for your real estate closing.

Michele Fyock

I am a first time homebuyer. I thought I had financing lined up and it fell through. So I took Gail up on her offer to help. Gail worked with estate attorney, mortgage broker and myself to get my deal closed on my schedule.

Glenn Perry – Home Buyer

Gail was very easy to work with on the closing of our property.  She was professional, personable and very informative.  We recommend Westmoreland Paralegal to anyone who is buying or selling a property.

Barb & Travis Smeltzer

If there’s one thing Gail Malloy understands, it’s real estate closings. If there is one thing Gail Malloy does, it is DELIVER. She saved us $1,475.00. With Gail on your team, you know you will have a successful closing.

Craig and Melissa – Carlisle, PA

…just wanted to send a quick “thank you for all your help” in getting these documents filed in Westmoreland County. I just received UPS package with completed, filed documents…Greatly Appreciated

Adele – Title Insurance Services

Thanks for staying late to get that done. You went above and beyond and I really appreciate it. I know Luka and Ted do too. That was very awesome of you!!

Anthony Bompiani – Bompiani Law Group LLC

Thanks, Gail – we appreciate your excellent service, as always!!!

Kim – First American Title Insurance Company

….wanted a quick closing with title insurance BUT without attorney fees. That’s exactly what I received. Fast, friendly service and compatible to my busy schedule. Thank you and see you at the next one!

Devon – Investment Property Buyer