Use the Banks Title Company or My Own in NJ?

[Adam Anderson]

I'm buying my first true foreclosure and the bank is offering to pay all the title fees if I use their title company.  I already confirmed with the town that the Taxes and Utilities are paid in full and there are no code or building violations.  In NJ its customary to close with an attorney but I don't see a need for one since we are not negotiating anything. I do want to make sure there is clean title and the contact states that only title issues discovered prior to closing will be remedied by the seller.

Should I use my own title company at my expence or is title insurance the same through anyone?

[Adam Anderson]

Thanks for all your input on this! I might have my title person run the search for me so I know its clean but use their agent for the insurance and closing.  Anyone see an issue with that approach?