Do the title fees look reasonable?

[Nitin Dhiman]

Hi there,

I'm doing a cash-out refi of a single-family rental in Round Rock. If you're familiar with Title fees in Texas, could you comment on whether these seem reasonable? Sounds too high to me for $165K loan amount ...

• $1235 Lender's title insurance
• $550 Settlement or closing fee
• $421 Title endorsement
• $50 Tax certificate
• That totals to $2256 in title costs

Which of these fees could/should I reduce or eliminate through negotiating or shopping around?

Thanks!