The reason they do not want to use another title company is because they are trying to do a simultaneous close, possibly via transaction funding.It is not atypical for a wholesaler to ask for transfer taxes and U&O.If they ask that you pay all their closing costs, beware, it could include a lot of junk fees.Add all this to the cost of acquisition and see if it is still a good deal.

It was advertised if I use the broker there will be a 4000 closing creditlender fee 1450appraisal fee 520attorney documentation prep 200survey fee 390Prepaid:homeowner insurance 1080Reserves:homeowner insurance 2 months: 180property tax 2 months: 1066title/closing feestexas guaranty fee 6escrow messenger fee 10tax cert fee 130electronic recording fee 20settlement fee 375owner title insurance 165lender title insurance 1563endorsements 78.15Recording and transfer fees:Fees 108NTP recording fee 20Additional Settlement Charges:HOA dues: 950HOA Capital contribution: 475HOA transfer fee 150Any advice would be appreciated!

That's when all the winter transfers come in.

@Travis QuickelThe title attorney is the one who will handle all the paperwork to transfer the title over to you.

Can anyone comment on how long ACH transfers actually take?

That will be paid with transfer of title. 

Every once in a while I transfer $1 from one to the other and, often, back again.

In one case I discovered that the deed was transferred to the county because the homeowner was behind TEN years in their taxes.

Is there a transfer if the lead to the walls, or if the paint is gone the lead is also?

@Joe YobaccioYes there are regulations, especially in regards to the compliant transfer of data to the seller and their licensed servicer.