On a $150,000 home (OT Poor
), property tax is about $800, homeowners is somewhere around $3,500, and flood is around $400. This is for an older home (~1950) in a X flood zone. Obviously the age, location, and value of the home will influence homeowners and flood pricing. I'm just providing for a frame of reference.
I have used Julie Baudier with Standard Mortgage for the initial purchase and refinance and have been very happy both times. I have also recommended her to some other people and they ended up using her.