
Rate Schedule

Ohio – Title Insurance Premium Charges
Owner's Policy
up to $150,000 — $5.75 per 1000
$150,000 to $250,000 — $4.75 per 1000 + $187.50
$250,000 to $500,000 — $3.50 per 1000 + $437.50
$500,000 to $10,000,000 — $2.75 per 1000 + $812.50
over $10,000,000 — $2.25 per 1000 + $5,812.50
Minimum — $175
Reissue — 70% within 10 years
Homeowner / Eagle Policy
Add 15% to Owner's Policy Premium Can only be issued for 1 to 4 family residential properties or an individual condominium unit.
Minimum — $200
Mortgage Loan Policy
up to $150,000 — $.00 per 1000
$150,000 to $250,000 — $3.25 per 1000 + $112.50
$250,000 to $500,000 — $2.50 per 1000 + $300
$500,000 to $10,000,000 — $2.25 per 1000 + $425
over $10,000,000 — $2.00 per 1000 + $2,925
Minimum — $125
Reissue — 70% within 10 years
Simultaneous Issue — $100 provided an Owner's Policy in equal or greater amount was issued and a premium charged
Title Guaranty
up to $100,000 — $3.50 per 1000
$100,000 to $250,000 — $3.00 per 1000 + $50
over $250,000 — $2.50 per 1000 + $175
Minimum — $105
Reissue — 70% within 6 years
Guaranteed Certificate of Title
up to $100,000 — $3.00 per 1000
$100,000 to $250,000 — $2.50 per 1000 + $50
over $250,000 — $2.25 per 1000 + $112.50
Minimum — $105
Reissue — 70% within 6 years
Preliminary Judicial Report
over $150,000 — $3.00 per 1000
Minimum — $75
Junior Loan Policy
over $150,000 — $1.75 per 1000
Minimum — $75

Michigan – Title Insurance Premium Charges
Insurance Policy
Residential Title
ALTA Owner's Policy
Loan & Leasehold Policies
(without standard exceptions)
For the first $1,000 of liability (or fraction thereof) —$190 (minimum rate)
For each additional $1,000 of liability (or fraction thereof) in excess of $1,000 up to and including $50,000 —$5.00
For each additional $1,000 of liability (or fraction thereof) in excess of $50,000 up to and including $100,000 —$4.00
For each additional $1,000 of liability (or fraction thereof) in excess of $100,000 up to and including $200,000 —$3.50
For each additional $1,000 of liability (or fraction thereof) in excess of $200,000 up to and including $300,000 —$3.00
For each additional $1,000 of liability (or fraction thereof) in excess of $300,000 up to and including $1,000,000 —$2.50
For each additional $1,000 of liability (or fraction thereof) in excess of $1,000,000 up to and including $4,000,000 —$2.00
For each additional $1,000 of liability (or fraction thereof) in excess of $4,000,000 up to and including $5,000,000 —$1.50
For each additional $1,000 of liability (or fraction thereof) over $5,000,000 —$1.00
Advantage Residential Loan Policy
Michigan Homeowner's Policy of Title Insurance
For the first $1,000 of liability (or fraction thereof) —$200 (minimum rate)
For each additional $1,000 of liability (or fraction thereof) in excess of $1,000 up to and including $50,000 —$5.50
For each additional $1,000 of liability (or fraction thereof) in excess of $50,000 up to and including $100,000 —$4.40
For each additional $1,000 of liability (or fraction thereof) in excess of $100,000 up to and including $200,000 —$3.85
For each additional $1,000 of liability (or fraction thereof) in excess of $200,000 up to and including $300,000 —$3.30
For each additional $1,000 of liability (or fraction thereof) in excess of $300,000 up to and including $1,000,000 —$2.75
For each additional $1,000 of liability (or fraction thereof) in excess of $1,000,000 up to and including $4,000,000 —$2.20
For each additional $1,000 of liability (or fraction thereof) in excess of $4,000,000 up to and including $5,000,000 —$1.65
For each additional $1,000 of liability (or fraction thereof) over $5,000,000 —$1.10
Limited Residential Loan Policy (Michigan Equity Policy)
up to $20,000 — $140
$20,000 to $50,000 — $2.50 per 1000
$50,000 to $100,000 — $2.00 per 1000
OVer $100,000 — $1.50 per $1,000
Minimum — $140

Ohio Examination Fees
Exam Fees for the following items
Mortgage Title Insurance Policy
Owner’s Title Insurance Policy
Title Guaranties
Guaranteed Certificates of Title
Judicial Reports
Full Search Letter Reports
For Platted Residential — $200
For Unplatted Residential — $250
For Commercial or Industrial — $300 and up
Limited Search Letter Reports — $100 and up
Preliminary Letters For G.C.’s — $50.00
Commitments / Binders —$50.00/$100.00
Verbal No Change
Lucas County — No Charge
Other Counties/— $25.00
Written No Change
Lucas County — No Charge
Other Counties — $50.00
New Construction Updates — $35.00

Cost of Closing Services
Refinance
$125.00 —In our offices Monday - Friday between 9:00 AM and 4:00 PM.
$200.00 — In our offices any other time
$225.00 — Out of office in Lucas County Monday thru Friday
$250.00 — Out of office in Lucas County on Weekends
$275.00 — Out of office in Fulton, Henry, Ottawa, and Wood Counties in Ohio
$275.00 — Out of office in Monroe County in Michigan
$300.00 — All remaining counties in Ohio and Michigan
Second Mortgages
$100.00 if same lender.
$150.00 if different lender.
Sales
| Buyer/Borrower | Seller |
|---|---|
| $200.00 with loan | $150.00 |
| $125.00 cash sale | $125.00 |
Out of office closings — call for quote

Additional Related Costs
CLOSING SERVICES FEES
Wire In or Out of Funds — $20.00 per transaction
Additional Checks (more than 12) — $1.00 per additional check
Certified Check — $10.00
Mortgage Releases — as per County Costs
Judgment Liens Releases – Governmental — as per County Costs
Judgment Lien – Attorney — as per County Costs
Stop Payment — $30.00-$33.00 per occurrence
Re-Issue Check (new name / make multiple) — $3.50 per occurrence
Deed, Releases, Subordination Prep — $50.00 per document
Express Mail — $15.00 per mailing
PAYOFF SERVICES
AREA Title will order your payoffs at no extra cost to you, if requested. Please provide complete information. (Borrower’s signed authorization, account numbers, and lender’s name).
Ohio Recording Fees (Effective August 1, 2003)
Basic Recording Fee
Deeds, Mortgage, etc. — $28.00 for the first two pages and $8.00 for each additional page, 8½" x 14" inches. Minimum fee – $28
Reference Fee
Releases, Assignments—$4.00 for each reference if original recording was prior to 1977
UCC’s
Financing Statements relating to — $12.00 filing fee.real estate. $4.00 for each debtor (s), secured party, record owner (s) or lessee, to be indexed in mortgage records.
Amendments to real related UCC’s i.e., continuations, assignments, Partial releases — $12.00 filing fee. $4.00 for each debtor(s), secured party, record owner(s) or lessee, to be indexed in mortgage records.
Terminations — $12.00 filing fee. $4.00 for each name to be indexed.
UCC Search — $20.00 per debtor name and $2.00 per page for copy.
Liens
Federal Tax Liens — $5.00
Federal Tax Release — $3.00
Re-file/Correction — $5.00
Personal Tax Release — $4.00
Bureau of Workers Compensation Liens And Releases — No Fee
Unemployment Compensation (OBES) — No Fee
Releases — $4.00
Mortgage Release Fee — Ohio (Lucas-$28.00 / All other-$32.00)
Note — Attached legal descriptions constitute an additional page.
Warning — Any releases, Assignments, Subordinations, or Second Record of a Volume/Liber and Page Reference automatically requires you to collect an additional $4.00 (All Ohio Counties except Lucas)
Michigan Deeds require an additional $1.00.
Michigan Release — $17.00
When there is a Judgment Lien and the property is in foreclosure, you must call the Clerk of the Court in which the lien was filed OR the attorney representing the plaintiff, to get the amount of the court costs pertaining to the lien.
