I'm in Florida but your best bet would be to always contact a title/closing agency.

The first floor is mainly the anchor ad agency, Ignited, and a large common space.

I also co-own an agency that does the lead generation marketing for Houston House Buyers here in Houston (as well as for other clients in multiple other cities - we just don’t farm in those other cities).

I do not know the details of how/when/etc this applies.I did come across this with a quick google search over at irs.gov, to confirm that I wasn't imagining things.For Agency mortgage stuff, Fannie gets prickly when someone has a private mortgage more than 2% below the cheapest institutional money out there, in some circumstances.

Every agency has their own terms for cancellation.

Edit: Agent, not agency in title, a typo.

Assuming you did this, which it sounds like you did- your insurance should be binding from the moment you wrote the check and the agency acknowledged receipt of the payment for it.

I understand that many agencies do charge higher fees which can be overwhelming to a new agent.

I think it's more about adhering to contract law and being careful to not violate agency laws.

Even the recent housing bubble of the late 2000s had multiple guilty players from the ratings agencies to pension fund financial consultants to strippers in Miami  - if you believe The Big Short.