(the answer needs to be immediately) How long do you need me to be on title to refinance?

Once you complete the final application, we charge a one-time servicing fee of 3% of the requested financing amount before transferring the funds.In addition to the servicing fees, you are also responsible for the title/escrow charges and home appraisal fees.

It should all be gathered by an escrow or title company and documents, money, etc correctly sorted out and finalized (closed).

You mostly need cash to pay title companies, attorneys maybe and taxes etc.

The time varies so 5 years is just the title of the book.

Them being not named/served is problematic, as like any other junior lien holder, they have to be named and served to be “wiped out”.You might have to reopen the foreclosure suit after buying it, amend the foreclosure suit.Obviously, ask a local RE attorney that deals with title issues. 

If MO has a 12 month redemption I’m guessing the bank wouldn’t be selling it prior to the 12 months.....not with title insurance anyway.  

I purchased the home in 2016 on land contract filing all the necessary paperwork thru a title company and putting down 20%.

The title company will give a better estimate.

It doesn't require an attorney, just an attentive title company escrow officer who prepares the documents and handles the funds necessary to complete the transaction.