Should you use your own title company or Freddie Mac's title company? My opinion: Use your own, even if you have to pay for more of the title insurance premium.
Why? If anything goes wrong with the title work, you will have recourse with your title company. I've sold a few REOs, and from my experience, the various title companies that do all that bulk work have very little interest in your best interest, nor do they appear to me to be a disinterested third party. In fact, there were so many mistakes on my last REO (bank owned) sale's title work that we couldn't get remedied; my client was ready to sue the title company for damages.
Common sense tells us there won't be much progress in a lawsuit taking on the federal government, and who wants to even have to deal with that problem? You just want to have a successful transaction and live happily in your new home.
I would advise you to use your own choice of a local title company, even if that means you will pay the portion of title insurance that the seller would traditionally pay. You should end up with a much better closing, get answers to your questions, and work with people who are accountable for their efforts finding problems or hidden liens and properly recording your home purchase.
Should you use your own title company or Freddie Mac's title company?
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