Title company with lowest fee for refinance

I am working with a mortgage company to refinance, On the Loan Estimate, I see that I am allowed to shop for title companies. I just thought to create a new thread to initial this subject. Does anyone know which title company has the lowest fees for refinance? I am in California.

Thanks.

I am working with a mortgage company to refinance, On the Loan Estimate, I see that I am allowed to shop for title companies. I just thought to create a new thread to initial this subject. Does anyone know which title company has the lowest fees for refinance? I am in California.

Thanks.

I'm really impressed with https://www.boxhomeloans.com/

I love getting their daily rates.. Right now though you can not do a loan with them due to being overwhelmed. However, if you still want to see how there rates are, even if your doing a refi, choose initial instead and they will give there realistic numbers, meaning Interest rate, APR, All closing costs if you click a little bit more and give yearly: property tax, insurance, etc.
No personnel information for them to bother you. I dont know of another mortgage lender that does that. If anyone else does please drop the site my way. By personnel information I mean phone number / address in turn getting called 3 minutes later like a car salesman. Which drive me personally nuts! Anyone else?

Hope this helps someone I found out about them through some guy on youtube who said he shared the company out with friends and family and figured what the hell and made a youtube video. I'm not going that far. lol (video and all)

I keep a very open mind please and I have not done the refi yet, but I been dissecting the whole process so much.. Alright just passing the information. Go ahead try them out. I swear I dont work for them. I'm a DOD government employee till I retire. I should point out for VA LOANS i'm impressed not sure about other loans charges/rates... looks similar..

Have a nice day all. BTW I'm an IT guy.

I know the following definitely does. Loan officer told me the title cost might not be correct if you are in a state with high title cost (i.e. NJ).

1. https://closeyourownloan.com/Default.aspx

On the upper right, there is 2 drop down boxes to start the rate quote. That will redirect you to a page on the left to fill in basic information. Then on the right you will see the rate, closing cost, and buydown options.

I'm getting a worse deal with closeyourloan.com. Escrow and all other fees and credits for my san diego California home is $3388 at apr 3.25%!!

Close your loan is asking for what your current rate is which typically all greedy loan officers want to know. No offense...

Yeah it's a pain. Most of these lenders you have to show competing LE's to get the best rate. Unfortunately it's part of the process.

If you look at the other thread, we posted a WIKI that a lot of SD's are using (better.com

MeAPhool,

Thank you for the link and those two sites. I almost thought boxhomeloans were the winner...
Seems LoanCabin is pretty good too and without giving personal info.
Maybe some day soon LenderFi will open up too so I can see there's.
Take it easy.

Addon: just found www.loancabin.com to have pretty cool rates without giving details. On another post I was also told www.lenderfi.com is good, however, like box home loans they are still down till they are caught up. Curious about them, guess I'll keep a checking.


Ahh what the hell, here is what I am getting from boxhomeloans as they really break it down for a CA house valued at $630K home but a $308500 loan:
2.25%

Lender Credit $1323 which cover all below except the evil taxes, insurance and interest one basically.

3rd party fees below Total $1208
Credit report $34
Title - Closing Coordination $595
Title endorsements $25
Title - Lender's Title Insurance $550

Government's cut aka Recording Fee $115

TAXES, INSURANCE and INTEREST $4845.51
Interest on new loan (30 days @ $19.02/day) $570.51
County Property Tax (9 months @ $500/month) $4500 <-hate California
Homeowner's Insurance (5 months @ $75/month)
Aggregate Adjustment Credit it seems $600
60 day lock

I had to type that all out as they block it from being copied. I pray someone gets some knowledge out of this. Apparently I just did as I only skimmed it before.

They also put a summary on the bottom I never knew about:
Based on the rate of 2.250 % (APR of 2.264 %), as of 8/6/2020 6:38:57 PM, a real estate transaction with an appraised value of $630,000.00, equity of 51.03 %, and loan amount of $308,500.00 would have 360 monthly principal and interest payments at $1,179.23

My current P&I is $1,619.56 yes I had to look at my account. lol

Difference is $440.33
Honestly I can't wait to do this, sadly wife says hold off though
I will never forgive her if rates go up.

Thank you yet again. Link is great.
I don't have an official loan estimate though.. So I don't see A, B, C & E.

Why you hate escrow? I think it's scary that I need a mass amount of money every 6 months. For me that's 3k..
I ecclesiastical don't want my wife to think we have extra money to spend, so i even do biweekly payment to the mortgage (wink), besides being a good idea anyway...

Hard to imagine it going much lower