[Iron Braveheart]

private title companies will overcharge you and are always behind producing policies.

my old company used to tack on a "warranty" charge of about 800 bucks. warranty? for what!? not to mention they'd up the prices of tax/judgment searches as well as other charges that are state regulated. if you catch them, you can have them shut down.

check your HUD with a fine-tooth comb. it's about 2 pages, and you could save yourself about a grand or more. look for charges that don't seem to represent anything. ask questions. it's your money, you have the right to ask whatever the fuck you want. and private companies are so hard up for money at the moment, they'll do anything you want. title companies are "yes" companies. i work the biggest title company in the world, at the headquaters, and it's still like that here. we're overworked, don't produce what we say we will, but we still "yes" everyone to death for business. we're in the process of making one of our big costumers believe we're not as overworked and under producing as we are by hiding all the loose work and boxes full of files that haven't even been looked at yet in any place out of sight so when they come to see the office, they don't go into fuckin shock.

so yeah. title companies will fuck you over. not to mention it's the most pointless form of insurance in the world.