OK, this is the first time I'm refinancing after buying my first house one year ago. Me and wife and my mom got the loan at the time of purchasing and all 3 of our names were on the title and the loan. Buying a house in SF area is very expensive as you all know so my mom was there to help with some of the downpayment and to help us get the loan amount. In reality, we're on our own with all the mortgage payments. Now a year later, my wife and I are refinancing (without my mom) the house on our own because we make enough now and interest rate is lower. How does title company work. Do we get a new one and resign the title of ownership? Does my mom have to be there to say she does or does not want to have her name on the title? Or can my wife and I just do all the signing with the new title company with only the two of our names on the title without my mom's present/signature of any sort? Again, only my wife and I are going through the refinancing. Thanks in advance.