In most of our counties, you cannot do a complete online search. Some office still aren't online, and some only have the index; you cannot view a copy remotely. So, it wouldn't work here, for me. But, I can see where a lot of places won't have a lot of other options, but to take what they can get.
And, refi rates are not at 0% - the fed rate, for loans less than 24 hours are near zero. Mortgage rates are tied to bond rates, which are a bit higher. Still, rates are low and refinances are going to create a lot of work that will need done.
I wonder if remote notarization and online loan closings will see a spike? I still don't like the idea of a remote notary, but it's gaining in popularity.
Best,
Robert A. Franco
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