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Ask them if the $995 'Admin fee' includes Lender's Title insurance, Title Exam and other fees under the Title Charges section. Typically they are not $0, so just make sure they don't mysteriously appear at the last moment.
As a side note, I'm usually against Owner's Title Insurance. Yeah yeah I know what it's supposed to do, and once in a while you hear stories, but imho it's still a waste of $$ unless you buy a very old house with a lot of history.
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