Let's assume we have only two liens on record.
A
B
A is in first position.  B is in second.
The property owner refinances A.  A is satisfied and a new lien, C, is recorded, moving B to first position.
B
C
If C intended to take first position, the parties should have contacted B and obtained a postponement or subordination agreement prior to closing the transaction.  If you are C or C's title insurer, sounds like you have some post closing repair work on your plate.  Good luck.
 
 
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