With rates dropping through the floor, many people have been motivated to refinance their homes. The lower rate may save them a tremendous amount of money throughout the life of the loan, but the refinancer should also expect to pay the lender all of the typical closing costs that are normally tied to any new loan. This includes service fees, points, title insurance protection (otherwise known as title insurance policies) and other expenses.
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It is very important that you don’t rush into naming ownership, as this is a very important part of your life and of how to manage your investment in buying Real Property.
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This important question is one that real property purchasers ask their real estate, escrow and title insurance professionals every day. Unfortunately, these professionals may identify the many methods of owning property, but they may not recommend a specific form of ownership, as doing so would constitute practicing law and that’s against the law.
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Many people also ask if they can use personal checks to pay for closing fees. Most title insurance companies do not accept personal checks greater than an amount of $250, because it is too much of a risk.
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Although a title insurance company will most likely be provided for you during the mortgage transaction process, be aware that you are not obligated to use any suggested title insurance company.
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Although many homebuyers are free to shop around for a title agent, or a title insurance company, often times they do not do so, because of unfamiliarity with title insurance.
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