With regard to LE challenges, the state is fairly straight-forward. In Wisconsin, recording fees are uniform statewide.

Recording fees in Indiana are generally flat, with the exception of Marion County, where they are marginally higher. Although there are no traditional transfer taxes levied in Indiana, there is an “auditor’s transfer fee” and “sales disclosure tax.”

Utah is home to a flat, statewide recording fee. The state of Utah has no transfer or mortgage taxes. In Utah, title insurance rates are uniform statewide.

Known as “The Natural State,” Arkansas is a fairly straight-forward place when it comes to LE challenges for real estate transactions.

Known as “The Equality State,” Wyoming holds the distinction of being the first state in the nation to have a county public library.

West Virginia has a few unique features with regard to its real estate closing fees. Recording fees are consistently priced statewide in West Virginia.

There are very few wrinkles for loan officers to consider when it comes to closing fees deep in the heart of Dixie. 

Florida is another state in which title insurance rates are promulgated (set by regulatory authority). However, the rates may vary by type of mortgage transaction. Refinance mortgages are of particular interest, as a substitution discount or reissue may be available.

Home to The Grand Ole Opry, the longest running radio show in the world for any genre, Tennessee is also the birthplace of cotton candy, Mountain Dew and the Moon Pie.