At my old company we had a client that did the title work within the 3 day rescission period.  Many lenders are moving away from title on refinances period.  A major lender in Buffalo NY just switched to mortgage impairment insurance instead of title on all home equity refi’s.  When I spoke to the Director of Underwriting 6 months or so ago when he started, he compared a home equity loan to a credit card or a car loan.  He did not understand why he could walk into a car dealership and buy a $100,000 car and drive off in the car that afternoon but it would take a month to get a $100,000 home equity loan.  Especially since the car depreciates as soon as you drive it off the lot. Something to keep in mind.