Is there a way to lower title insurance?

Unfortunately you have no choice when getting a loan. A title insurance policy is required. While you are free to shop, and use any title company you wish, you will find they are all very very close in the cost. Sorry... Also, while the lenders estimate may be lower, your final number at closing will be whatever the actual number is from the actual title company selected. I lend in MN WI IA ND SD. Find me at WI-MortgageBroker.com / Cambria Mortgage NMLS 274132

you are in CA, if the box on the RPA is checked seller to pay owners title policy, then you will not pay it. It MAY be on your loan estimate, this is common. But when your CD gets balances, the seller will pay it. You are required to pay your lender policy. Lender policy covers your lender, and the owners policy covers you... should be called "new owners" policy. Wes Hankins - Temecula CA