Refinancing mortgage: how does it work?

I am planning to refinance my mortgage. If I refinance with other lender, how will my current loan (mortgage) be paid? Will the new lender give me a check for me to pay off my current loan or will the new lender pay my loan directly to my current lender? Will a representative of my current lender attend at closing? I won’t be using an attorney at closing. I’m in Pennsylvania.

Another question: I applied my current loan mortgage individually, but the deed shows my wife and I as the owners. I want to keep it that way with the new loan (refinance). Does it matter?

Thank you in advance.

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