[TrudyM]

You have to have title insurance when you have a mortgage that protects the lenders interest.
What I hate is having to pay the same company all over again when you refi with a different lender. It is a little cheaper than the initial but not much. I mean other than checking for any leans recorded since the last time whats the deal.

I did have on a purchase once have the title company find out about an ex wife that had a claim against a house I was buying held in a corporate name. When buying it pays. As I said I think the charges in this internet age when the research is alot easier especially on a refi are too high.

Just my opinion