The refinance closing will be conducted the same way that your loan was closed when you first purchased the property. Soon after your loan is approved your loan consultant will send a list of documents you’ll need to bring to the closing. You’ll also be sent an Estimated Settlement Statement that tells you the amount, if any, you’ll need to bring to closing in the form of a cashier’s check, as well as an outline of how the funds from your new loan will be disbursed. If this is a refinance of a primary residence, the loan won’t actually fund until three business days after signing the loan documents, due to the borrower’s right of rescission.