Faxed signatures are legal in NC (and some folks may be able to authorize digitial signatures), so I wouldn't anticipate that it would be an issue at all for the beginning stages of the refinance. You may need to check with your lender on timelines that may affect when the loan closes (overnight mailing, notarizing any needed pieces, working with an attorney here who will record it at the courthouse, perhaps finding an attorney there in the UK??). I usually suggest that clients talk to at least 3 different lenders to get a feel for the best rates and best service. You'll probably want to work with someone who's had experience with closing loans long distance...and sometimes the best rates don't get you the best service. I have the names of a few lenders that I work with if you're interested or if you'd like more information. Dan Flynn with FM lending firstname.lastname@example.org 919-785-4238, Sheri Rimel with Residential Community Mortgage (a branch of Wells Fargo) email@example.com, & Andy Borter with Primary Residential firstname.lastname@example.org. Depending on the loan type you have, there may be more/less paperwork to navigate. Hope that helps!