Your loan officer will indicate which documentation is needed to begin the process of refinancing.  Meanwhile, a home loan analyst will place orders for a property appraisal, a survey of property boundaries, a flood determination and a title search and title insurance.  Next, the underwriter will review all your information and grant a final approval on your loan.  Finally, the closer will assemble the closing package and ensure that all fees and other closing payments are accurately documented.  In most cases, the closer will establish an escrow account for payment of necessary insurance and real estate taxes.  As the final step, the closer authorizes the mortgage funds for disbursement. Typically, either your closer or your loan officer will contact you to schedule a date and time for the closing.