Free title insurance fees? That's basically a Notary fee. Thus, they aren't charged by FnF. Take into account that the Title Insurance fee drops markedly in refinancings (0.4%), but it's still necessary, because the old mortgage disappears and you have to take out a new mortgage loan. A notary is necessary again for the new deed. They aren't junk fees and a notary can't work for free. If they are high, then it's an issue for the Judiciary Committee in the Congress. Who did come out with this idea? Someone read "fee" and that's it! Let me guess. Urban Institute's Parrott, a think tank selling ideas to the White House. Anyway, the FHFA is an independent agency of the Federal Government.
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