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They call it "mortgage insurance" on the web page. I wonder if it is a way to get a round state set rates on title insurance? Around here "origination fee" is a percentage of the loan, in this case around 3 %. I am familiar with HUD1's. All the extra fees quickly add up. Title insurance companies get around the state set rates with "enhanced policies" and "endorsements" that the lender requires, supposedly. I once walked out on a settlement because the fees were about $1000 higher on Friday than they had been when I looked at their HUD the day before. Funny how those fees got immediately "waived". The lending industry has it's predators. Beware.
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