After paying closing costs, title fees, appraisal, origination, underwriting, processing, legal and other fees, the typical refinance costs about 1.75 - 2.5% of the loan amount just in closing costs (obviously before people yell at me, this varies drastically by state, but having done loans all over the country I find this to be a pretty accurate estimate).  2) Keeping the average 2% cost in mind and the fact that people typically refinance when rates drop about .75% - 1% or more, I wanted to see if paying an extra point now when I was already paying all the closing costs to buy the rate down made sense. 1 point can get you between .5% - .625% off the rate depending on the days pricing and the coupon you are pricing. 

I am located near Martinsville, VA and am interested in buying there and surrounding areas (Danville, Roanoke, Winston Salem, Greensboro, etc).If there is anyone else from the area or surrounding areas that has any contacts or resources as far as realtors, title companies, contractors, lenders, or even wholesalers, please let me know.

@Wilson PereiraHow are your properties titled?

I just had one of these I made a title claim and the title company paid me off.if your stupid enough to buy without title insurance your in trouble.also if you don't know any better and don't pay for a policy that also covers the wholesale fee your going to be out of luck when you make your claim . along with any rehab you have done.Now for me I was able to make the claim and got paid AND I filed a quiet title action and won that so now I own the property .. the fraudster is being chased by the title company and well it took 18 months but it looks like we might come out ahead..

When you get the sheriff’s proposed distribution of funds, there will be a copy of a title search that was performed by a title company selected by the sheriff; that title company is possibly the best place to go to ask whether you should buy a title policy - they did the search and should be willing to insure.

(EDIT sorry for tagging on to a zombie thread...)

For that I'd say Title Closing Agents, if someone called in my markets and spoke with my primary ones about who does these "jazy" things I bet they'd point me out, or would at least pass on your info.

He'll just be on mortgage and title like any other transaction.

Many I work with require a minimum 8 x 8 bordered area on the drawing just for their stamps and have rules on font type, size, drawing scale, information on the title blocks, line types, line weights, etc.

Terms are always negotiable but docs should always be done by attorney / title company