How do you shop for title closing, lawyers and homeowners insurance services. Any recommendations for good companies. What are approximate costs i am looking for these for 400k home. Does these vary by state

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I believe a lot varies by state in terms of closing fees, for example the state tile transfer, or county/city transfer taxes. Bank fees should be fairly consistent.

Best option for shopping is to call during your 14 day pre approval process and shop the loan offers and request the good fath in lending breakout. Compare the bottom line fees. Same with insurance, call a few and ask about bundle discounts.

Good luck

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We used Morty to shop for rates and a few local mortgage companies that were recommended

Your realtor should have recommendations

They all operate on referral kickbacks though... so hopefully you have a realtor your trust.

Check out the ones recommended by your realtor, and then cold call a couple of others to compare fees.

Closing costs will vary by state and even by county. For example, my friend and I both just closed on $300k condos in NJ. Her closing costs were about $7k, mine were about $14k. It’s very dependent on the area you buy in, as a lot of the title search fees and costs are county/city dependent. Focus more on shopping around for the lawyer and insurance-you have much more control over those

many of the costs referenced will be fixed, lender fees and rate/points are where it makes sense to shop around

I used my credit union & a realtor who goes to my church and they recommended low cost vendors they had relationships

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