First Mortgage Loan Application..Help!!

[Joe Mende]

Looking to get a little advice here as I'm in the process of buying a 2-flat here in Chicago.  I recently filled out the loan application and there was a section that was titled "loan estimates" where it has Terms, Payments, Closing Costs, along with the closing cost details.  Much of it seems like costs I can't do much about but then there's a section that says "services you can shop for" and has a list of costs:

Services You Can Shop For $4,021

Survey $350

Title - 24 Month Chain of Title $250 

Title - Anti-Predatory Lending Database Fee $150

Title - Closing Indemnfication/Protection Letter Fee $75

Title - Email Fee $25 

Title - Endorsements $500

Title - Lender's Title Insurance $1,028 

Title - Settlement Fee $1,600 

Title - Title Insurance Services $3 

Title - Wire Fee $40 

Since this is my first mortgage, are the costs of these fees pretty similar everywhere?  Or can I save significant money by shopping around for 

[Brie Schmidt]

@Jeff Dulla - is right that seller choose the title company in IL - But you can hire your own.  While it is customary for 1 title company to handle the transaction it is not required.  The issue is getting your own title company is usually more expensive than slitting the costs with the seller. 

When my clients are buying I assume $1600 in origination fees, $150 in recording fees and $3,300 in title fees. To get these numbers I use he average of all my closings for the previous year. Plus you pay transfer taxes. You should not be paying for the survey unless it is bank owned and that listed on the MLS