Can I shop for lender’s title insurance and owners title insurance?? My lender quoted $1700 for each.

like
Posting as :
works at
You are currently posting as works at

Yes. You can shop for your own title company. Also, you need to understand that the owner's policy is completely optional. You do not have to get it.

Yes you can

Where exactly do you shop? Title companies?

The lenders policy is a fee charged by title companies to insure your lender from losses in case there is a defect in the chain of title. Search for local title companies and call them, and ask them for an estimate of their title fees. They'll probably take your information and provide you with an estimate.

Some of the large title companies will even give you a quote online. Note that the lenders policy is standard in a lot of states so you might not save much there. You might be able to save on other title fees like the settlement fee.

Related Posts

SEEKING OPINIONS & FEEDBACK: I love the honest & practical discussions here, where people can freely identify things that are going on & seek guidance.

Wondering whether anybody’d be interested in some kind of more purposeful community- i.e., gathering w/fellow lawyers to pursue some specific mental health & well-being goals? We’d provide some counseling/coaching type content, in bite sized chunks, but have regular discussions to connect & encourage one another on applying the content IRL.

like

What are people’s thoughts on coinvesting in your fund? My fund is offering this and I need to decide. I’ve never done anything like this before, and I’m also looking to buy a house so I had been saving up cash for that.

like

Anybody know any good financial advisors? My husband and I are broke btw 😂😂😂

like

How much do you save / invest each month?

like

Does anyone have a referral to a 75k Amex gold card?

like

Are there any serious Funds still running with a long thesis on Tesla at the moment? Valuation looks absolutely stratospheric from where we’re sitting.

like

In all seriousness, how insane may it be to invest in Venezuela now? Would only consider if I partnered with a local/native and would obviously have to wait around a decade for any return.

like

Hello. Hx of med surgery, cardiac, and step down nursing. Now in Psych, which is my passion. Been in psych a year but feel like I am not getting the experience with the patients I thought I would have. Maybe it’s my hospital. But thinking I want to go back to school to get my BSN and eventually my PMHNP. Looking into switching to home health. Anyone have any advice?

like

Can you transfer your car loan to your 0 APR credit card? The car loan rates are so high mine is 6.99%

like

Anyone at Marcum...does the firm offer an HSA option for health benefits?

like

Investors, how much do you put into your STocks ISA each month, how much do you have and what do you use to evaluate where to allocate funds? Any good websites or materials?

like

Folks from EY, what are the implications of investing in India, be it Mutual Funds or direct stock? I’m worries about the independence restrictions in India, holding off due to that

Hey, visiting Austin from the north and think I wanna move here. Looking for a house . Single family 3 bd + and 2ba + . Wondering what good affordable neighborhoods to look in! Ideas and housing advice are more than welcome !!

like

I have an offer to a commercial real estate company in hand. My current brokerage (residential focus) wants me to pay $3000 penalty since I’m breaking the contract and leaving. I’m financially struggling and 3k is a big number to pay now. The new job will be paying me $2000/month up until the first year only. Is it wise to pay or stick around in residential sales just to avoid that penalty?

like

Wondering what a Director of Operations salary range is, in healthcare, in the Dallas area? Thank!

like

Looking to buy a house. Right now, my wife makes 50k, but she after 1 year she will stop working to be a stay at home mom. Should I still include her income on a mortgage application or is it best to leave it off and only report mine?

like

Anyone willing to share salaries for pediatric home healthcare administrators in Texas?

like

I got offers from Tata Consultancy - 18 fixed+4.3 VP

Birlasoft - 25L agreed on initial call. HR round pending.

Tech:Mainframe, YOE: 11.5
15 days notice left.

TCS asking for joining confirmation within 3 days.

Is it worth rejecting TCS, for 10% more package from birlasoft.

TCS better on:
Health insurance
More Yearly leaves
No relocation
No shifts

Birlasoft better on:
More package
May get joining bonus.

Help me decide which one to choose?
If any other factors to consider?

like

Anyone have any advice on crypto/bitcoin investing? Best way to get started? Good tips for what to buy? TIA

like

Good luck this week. Lots of event risk headed into OPEX and we often don’t know where the next leg is headed until the week AFTER. So don’t chase and don’t panic - regardless of your market view.

like

More Posts

How do you get 11 hearts? Want to be able to DM :(

like

What’s an appropriate base salary for a pharma marketing DTC Director for a blockbuster biologic that’s on tv? What are typical bonuses and LTI? We only have 18% bonus and $37k LTI per year (approximately depending on stock price) for directors. Our base salaries are all over the place for directors.

like

Looking for flat on rent near by kharadi area, single male occupancy.
Barclays kharadi.

like

I have been applying to many jobs posting for the last 4 months. But no response. Here is my resume that I updated. If anyone has any suggestions, please let me know. Thank you!

Post Photo
likehelpful

Have you ever went for a job and new u we’re getting the job but then see the person they picked isn’t even better than you?

like

Person. Woman. Man. Camera. TV.

Post Photo
funnylike

I am curious how many of you allow students to turn in their work up to the end of the quarter or semester. And if so...how do you deem it necessary in an IEP? Comparing to what I do and seeking outside expierences. TIA

likesmart
like

An executive of a major Telecom company approached me with an exciting opportunity. All details have been finalized for them to provide me an official offer other than the final compensation. The executive had asked me to provide a salary range that I was looking for which I did, but now wants me to provide my W2 from previous years of employment along with a breakout of this year’s compensation. Not sure how to proceed with this request. Any tips or insights would be highly appreciated.

like

I've been wanting to buy a comme des garcon play cardigan but am I correct that they never go on sale? I've seen a few that are lower priced on farfetch but have read terrible reviews about the site.

like

Can someone tell me what metaverse is?

like

Hi Dance Teachers! What have been your favorite “get to know you activities” over zoom on the first few days of school?

like

Hi. I got offer as Associate (Technology). In Hr round. They said I'll be getting 10-25 % variable pay of my CTC. But it isn't mentioned anywhere in the offer letter. Any inputs on this?

A good company to work for on a small scale not much issue

EVP of Marketing and Head of Brand salaries in Bay Area? Can anyone help please? TIA

like

What is the salary range going on in IT for data engineering profile for 3.5 YOE?

like

Hi all, can anyone provide me info about office cab facility in JP Morgan Hyderabad. Is it free ?

like

Additional Posts in Personal Investment Chatter

I’m looking to purchase my second RE property. The first one has no mortgage and is positively cash flowing. I’m looking at an area this is being heavily gentrified quickly and the home is a new build and in a gated community and the other homes are already being rented for more than what my principle mortgage and interest would be. My plan is to house hack the first ~12 months then move and start the process again. I would have negative cash flow the first year while house hacking

like

Looks at my ETH holdings like a proud father.
My boy is growing up!

like

Looking to buy a house. Right now, my wife makes 50k, but she after 1 year she will stop working to be a stay at home mom. Should I still include her income on a mortgage application or is it best to leave it off and only report mine?

like

Is it okay to turn off 401k while saving up for a home?

like

My house mortgage is 550k at 3.5% for 30yrs. I am 7 yrs in and have been paying down the principal. Now have 23yrs left at that rate and only have 160$ left on my mortgage principal. Should I stay the track or refinance for a lower rate?

like

Advice needed - my 12 YO niece wants me to teach her investing. Her parents are supportive. Do I open a joint account with her or an account just in her name?

like

Do you guys generally do market orders or limit orders with these wide daily swings?

like

Favorite resources (books, YT videos, podcasts, etc.) for beginners looking to get into personal finance? Looking for something easier to consume so I don’t get disinterested

like

I want to invest in a company that has lost the most relative to others in the hope of getting the most return. Any suggestions?

funny

Where do you guys invest/save Your emergency savings fund? How many months do you save? I feel I'm more conservative and save more because I work in consulting.

Does PwC wealth builder create taxable event when rolled over to IRRA? Thoughts on rolling to RothIRA instead (which is taxable)?

like

Thoughts on buying Roku stock?

Which crypto trading app do you use?

like

How can i get More solid Roofing leads? Or actual jobs?

like

$DIDI is getting delisted, do I sell? What happens from here? Is there a going private price that will be announced?

like

Fiancé wants to buy a property in Manhattan right now…I’m not overly comfortable with it but i hate moving and can see the financial value in paying mortgage instead of rent.

Is this a bad time to buy / if so, should i pull everything into cash while we search? So hard to know what’s going on with the markets right now.

likefunny

Anyone invest in REITs? How do they differ from investing in live real estate?

like

Thinking of taking out a loan from my 401k to pay down unexpected costs on my cc. It would be my first time, I can pay it back in a year and don’t have any concerns with job security. Thoughts on this approach given the market? Thinking that it’s better to pay myself interest than my cc.

like

How much in savings / net worth would you need, before you decide to retire? (Regardless of age).

likehelpful