Do both parties on a deed need to be present for a refinancing?

No, both parties on a deed do not need to be present for a refinancing, but it depends on the lender's requirements and the specific situation. Typically, the borrower seeking to refinance must be present to sign the necessary documents. If there are co-owners, one may be able to sign on behalf of the other with proper authorization, such as a power of attorney. However, it's always best to check with the lender for their specific policies.