Choosing a direct lender also keeps all your mortgage activity under one roof: The institution paying for your home is also the one that creates your contract and helps you along the way. Using a direct lender often expedites the mortgage process, because everything is taken care of in-house.
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Owner’s title insurance provides protection to the homeowner if someone sues and says they have a claim against the home from before the homeowner purchased it. When you purchase your home, you receive a document most often called a deed, which shows the seller transferred their legal ownership, or "title" to their home, to you.
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