In a refinance signing, how many new documents might a borrower need to sign?

In a refinance signing, the borrower typically needs to sign several new loan documents, which is why this answer is correct. When refinancing, the purpose is to replace the existing loan with a new mortgage. This process generally involves creating a brand new loan agreement, which can include various documents such as the new promissory note, the mortgage or deed of trust, disclosures required by law, and possibly other paperwork related to the specific terms of the refinancing arrangement.

Given that refinancing can change terms like interest rates or loan amounts, it's common for borrowers to encounter multiple new forms that detail these changes and ensure proper legal standing. The new documents reflect the new loan's conditions, which are necessary for the loan to be finalized and recorded correctly.

The other choices imply either a minimal or no new documentation, which does not accurately reflect the standard procedure in refinances where multiple documents are indeed required.