They put in the Hud 1 all kind of services that were completely not necessary nor required, and when I asked for a Power Of Attorney form for my spouse, they wanted me to pay $150 for it (I printed it free online form). When I wanted to add a adult child to my title, they offered me to open a beneficiary and trust for a huge fee - completely was not needed. All kinds of "guarantee letters", Buyers - be aware! question each and every charge on your HUD1 and ask it way in advance of closing (even if they say, they don't know the "exact" charges, ask for estimate weeks in advance and check all those "hidden" charges.