***as a public servant working on behalf of the State do we have any responsibility to the fact that the Title charges were not within the State's guidelines***
Absolutely not. Remember first that your impartial to the transaction, and by your description, you behaved very impartially in what sounds like a loaded situation. The title company that was charging above the posted rates for that state will be responsible to the states insurance commissioner (or whatever agency that state has in place that regulates the title company). Title companies are regularly audited, reported, audited and reported somemore. In spite of it, many are not operating within their states guidelines. Nor could you ever be expected to know about title fees. It's not your area of concern, or responsibility as a signing agent.
If the borrower sues, I guarantee you he'll sue the title company. They are always considered the deep pockets in real estate lawsuits.
As an aside...sounds like the girlfriend was wasting her breathe. He should have listened to her.
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