virginia: I received 2 quotes for title charges for refinancing a mortgage in Virginia. One has itemized three "endorsements" totaling $250. The other does not have the endorsements, but the basic policy is more expensive. Is it typical for title insurance providers to bundle all required endorsements on the HUD settlement statement as simply "Title Insurance", and is there a way to determine the exact requirements for a title policy for my mortgage?|||depending on the type of property many endorsements may be required by the new lender|||The Title company must do a complete search to ensure you are the true owner and have no liens against the property. Some companies do break it down and others just lump into the insurance part since you do not get insurance without the search