As agents, we tend to work with who we're comfortable with because we've had experience, we know the work that they do, and we're confident that they're going to get the deal to the closing table without too many issues.

It's normally when you deal with a title company, most of the time a buyer doesn't really deal with a title company unless there's a lien that pops up or something like that.

But it's the communication and it's the interior.

It's not just the closers or the reps. It's the interior, the people that work for the title company, the processor of it, that pulls the payoffs, that verifies liens and stuff that if you have a good relationship with, if there's an issue... anywhere that pops up on a title say the seller has a lien that's 15 years old you know they'll get and if you know someone that works in there they'll get it and clear it pretty quickly but if you don't then you bring it up it kind of goes through the change all so and so's working on it then so and so's working right so and so's working on so it is you're right it does title company relationships are very big and we found out yesterday's closing why

For folks who aren't too sure, how does that work?

Well, buying the rate down means it's a discount point.

A point is a percent of whatever your loan amount is.

So say if you offer your interest rate without paying additional money for it is say six and a half and you can pay a point, which is 1% to get it down to six and a quarter.