I too have never understood why a new title needs to be searched for re-financing. We also came across this problem when we wanted to add my husband to the deed on a home we purchased 2 years ago. We were advised we should get a new title insurance with both our names on it (rather than just mine) because it could cause issues when it is time to sell the house. I wouldn't object so much if the cost were a few hundred, but it's always in the thousands.
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