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That depends on the circumstances and/or any agreement you signed with the title company.

In a well organized transaction the title examination is not performed until the loan has been approved. In some situations, the buyer is the party that speeds things along and orders that the exam be performed prematurely. Sometimes the reason for the loan denial is the fault of the buyer for trying to conceal information. In those types of situations you should pay for the title exam. When the title company or law firm orders the title prematurely then they should pay for it.

In any case the title examiner should be paid for the work if it was ordered from an independent title examiner. They performed the work even though the transaction did not go through. If the title exam was done "in-house" the title company or law firm can usually absorb the loss.

If you signed any agreement to pay for the title exam even if the loan was not approved then you must pay.

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