re: Home Mortage Closing Costs: Bait & Switch, Is It Legal?

You spitballing that it has a low risk means nothing. I have life insurance. I'm 36 and outside of some heartburn I'm as healthy as a horse. I don't pay the life insurance because of why I don't need it now. I pay for it because there's a chance I may.

You need title work done period. That attorney may be jerking around the costs but you are free to use your own title company. You retain the right of that choice. Anyone telling you different is blowing smoke.

But you have to have that title cleared and that work insured. Regardless of how "low" the risk is in your opinion. shite happens every day. I have dealt with issues where people came back with title claims for all sorts of issues during the curative process for them. Deals that were smoother than silk were total baths for me after weeks of work.

It happens. Like shite.

My advice: shop costs via title agencies. A lot of them know each other so don't make it personal or trash anyone. But stop kicking the tires on a legal process based on your personal assumptions. You're half right here. He may be pumping up costs to build in profit. But title work is necessary regardless of your opinion on the level of risk.