Oregon is one of only a few states in which the title insurance rate is promulgated, meaning all title insurers are required to charge the premium rates set by the state or agency overseeing the regulated rates, and no discounting or variation from the promulgated rates is permitted.

New Mexico is a state in which title insurance rates are promulgated. Accordingly, title insurance premiums are governed by the New Mexico Office of Superintendent of Insurance. Rates are adjusted state wide, regardless of the identity of the title insurance provider.

Well-known for its feisty state motto, “Live Free or Die,” New Hampshire’s closing fee requirements are unsurprisingly straightforward. 

One of the most straight-forward of states when it comes to LE and closing cost complexities, Maine assesses recording fees statewide, on a scale determined by the size (length in page count) of each security instrument (mortgage), conveyance instrument (deed), or other recordable sent to the county for recordation.

Connecticut is one of the nation’s 22 states or districts that require an attorney’s involvement in residential real estate purchase transactions.

Homeland of the Jersey shore, the Boss himself, Bruce Springsteen, and some of the best damn tomatoes on the East Coast, New Jersey is a state worth acquainting yourself with.

Located about 2,000 miles away from the U.S. mainland, Hawaii has a few unique customs and requirements imposed upon residential real estate transactions in the way of closing fees.

An “attorney state,” or a state that requires that closings be supervised by a licensed attorney, transactions taking place in Massachusetts subsequently will require attorney fees. Land surveys, referred to as “plot plans,” are required for purchase transactions, which means an additional fee to each transaction.

The state of Colorado is fairly straight-forward when it comes to closing costs and fees. The state is noteworthy in that title insurance rates are grouped by zone, rather than county, which could result in multiple-counties within a specific zone.