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

I'm going through the closing process, and here is how it was explained to me.

The work to be done is basically the same whether you buy lender only or whether you buy lender and owner. The additional cost for an owner policy is minimal - as there really isn't any additional work to be done.

The comment about "additional risk" does not make sense.

What I don't understand is why they don't just list the cost of the lender policy with all costs, and then put a very small cost on the owner policy - since in reality, that's what it is.

I don't think this is a bait and switch. Your GFE isn't a menu of items to choose from... it's a list of costs for a particular situation. Your situation changed.