re: Title Insurance

quote:

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cash = yes

mortgage = depends on bank/mortgage co.

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Correct. And I'll expound a little further:

You can always opt out of owner's. Lender's it depends on the lender. Any large residential lender is going to require it. Some local banks may take a title opinion depending on the nature/maturity of the loan.

When you have to purchase lender's, owner's comes at a much lower rate. I'm just throwing some #s out, but if lender's is costing $800, owner's may only cost like 150.