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

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Price of the lender's insurance did not change.

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Right. The way the pricing chart works is the amount of the lender's policy is set then a discount is given off the owner's policy if you buy both. The OP referenced a high owner's premium and a lower lender's premium. It is possible that this may be backwards or that the lower amount is the difference in price if you buy both, making it pretty cost effective to do so.