PerfecTitle™ Refinance for Lenders
PerfecTitle™ Refinance APIs give finance teams the data they need to underwrite, fund, and book a refinance with confidence. Verify title history through the National Motor Vehicle Title Information System (NMVTIS), retrieve live Motor Vehicle Records (MVRs) directly from source state DMVs, validate borrower information, generate state-specific title and lien forms, and enable secure electronic signatures. From transaction creation through title processing and DMV submission, every service is asynchronous, callback-driven, and built to support production-scale lending volumes.
Offerings
- Pull title history (NMVTIS): Verify branding, prior title, and odometer history. Asynchronous — fires a callback when ready.
- Pull current vehicle record (MVR): Fetch the live state DMV record — owner, lienholder, registration — in the unified MVRBaseRecordDTO format.
- Generate & sign forms: Vitu builds the state-specific forms PDF; the customer signs digitally; Vitu Support reviews. Support for notary available in required states as well.
- Submit to the state DMV: Commit the transaction, download the shipping coversheet, and ship the originals.
- Receive callbacks with status updates: Vitu surfaces callbacks as the title work is completed with the DMV.
Recommended Workflow
We recommend the following workflow for refinance. Limited workflow customization is available to match integration and workflow requirements:
Setup & Dependencies
Account Setup
To manage account details — including the users and locations to which you have access — use the Account Administration capabilities. These APIs allow you to view and maintain user and location access associated with your account independently of any specific product integration.
For Sandbox Only: