Title insurance rates in Pennsylvania are regulated by the Title Insurance Rating Bureau of Pennsylvania (T.I.R.B.O.P) and by the Pennsylvania Insurance Department. Since all charges for title insurance coverage and other services offered by your title insurance provider are controlled by these agencies, your decision of which provider to use should be based on the provider's reputation for service. However, if you choose to compare costs between various providers, you should always inquire about any additional miscellaneous fees or charges (settlement fee, documents preparation, etc.). These charges can vary widely from provider to provider. Here at TERRA, we attempt to keep these fees to a minimum. For example,

• we do not charge a settlement fee if the closing takes place in our office during regular business hours. If you require an after-hours, out-of-office or weekend closing, we charge a nominal $75.00 settlement fee;
• we do not charge a document preparation fee to the buyer unless your mortgage lender requires us to prepare the loan documents, in which event, our fee is $100.00;
• our notary fee is a flat $10.00.

Please keep in mind that, although the rate are highly regulated, there are some very specific instances in which we can offer a discount. Please contact us for further information and to determine if your transaction would qualify for such a discount.