Check with your title and/or escrow companies in your county if you are considering a refi. Most have discounts of some sort on escrow fees and title premiums, especially if they have handled a transaction of your's before. Look at any recorded document you have for the property, there will probably be a hand written number or a stamp with the title company name that recorded the document and the order number . Call them first and see what they have to say. The fees and premiums are based on liability or loan amount.