u/CloudSurferA220

New build house. Construction was complete over a year ago. Reputable builder in a well-established 25+ year old neighborhood with a developer who has been operating it the entire time as lots have been sold and built on. Closing attorney and mortgage company are both running checks on liens, property plat, county filing, deeds, etc.

What is honestly the point of paying $2500 for owner’s title insurance when all these other parties are getting paid to do their jobs? Do they not have any accountability for verification? I have to pay to insure any mistakes they made? We talked to a neighbor who has lived in the subdivision a decade now and skipped it. He has not heard of a single issue with that.

I have an 840 credit score and 9 credit cards (all for specific purposes, I don’t carry balances). I close on a house soon, but a big annual fee on one credit card I want to cancel is due in a few days. Should I wait and hope to refund the fee later? Or just cancel the card because I have plenty of other cards. Thanks for your advice. Wish there was a credit score calculator…