Do I need to refinance my house before I put my house into my trust?

No. Some lenders will simply transfer your home into your personal name and then re-deed it back into your trust when the loan closes. If this is required by the lender, it is strongly advised that you check the status of the transfer back to your trust within 2 weeks of the loan closing. Some lenders will just have you fill out their form Certification of Trust for the loan process and avoid removing it from trust title during the loan process.