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Private mortgage insurance (PMI) insures the lender, not you when you buy a home with a down payment of less than 20 percent. It protects their interest in the event you default on your loan and is a requirement by lenders on loans provided to borrowers, with less than 20 percent as a down payment, toward the purchase of a home.
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The list may contain a statement stating that the listing of a settlement service provider does not constitute an endorsement of that service provider. Finally, it is best practice to itemize each fee on the service provider list so that it is consistent with the fees disclosed on the LE. The TRID rule provides a model written list of providers.