I'm refinancing my house in CA through current lender. Title company reports no liens on my house. Is my house mine now free and clear?

How long have you lived there? Some people do eventually pay off their 30 year loans. Lenders and loan brokers have been pushing 15 year and 20 year loans by offering lower interest rates. Maybe you had one of those. Ask the title company to look again. Do you remember when you last took out a loan on your home? If so, tell the title company. That might help. Missed payments can hurt your credit rating, raising the interest rate on your next loan or even making a new loan unavailable. If you appreciate this free advice, please remember to refer any of your friends or family who need assistance. Referrals are still our best source of new business. Do you have a living trust to avoid probate? Everyone should have one. Probate is expensive, takes too long, annoying, and unnecessary.  Please let me know if you would like to talk about it. Dana Sack