Title company requiring original trust documents for a refi?!

[Kevin Hofstee]

Using a local community bank in Michigan for a cash out refi on a BRRRR. The property is currently held in mine and my wife's respective revocable trusts. I live out in Oregon, so they sent a mobile notary, we get to a page and then there's a note saying they need originals of our trust documents…except these are kept on file with the law firm who created the trust.

Firstly, they never even asked for this before final close (they have digital copies). Secondly, I’ve closed multiple other properties with simply the copy of my trust document. I’m doubtful they legally require it, but I’m not sure…can anyone here shed some light on what they legally need to close?

Thanks in advance!

[Drew Sygit]

Would imagine you are correct in assuming they don't need the originals!

What they may really want are "certified true copies".

Call their office and ask for a manager, those answering the phones are rarely qualified to answer questions like his.

Keep in mind, if you don't ask the right questions, you won't get the right answers.