回複：請問如果我是貸款買房(REO)，

You must buy title insurance. As a matter of fact, the loan company/bank usually will not grant the loan unless you buy the title insurance( Bank needs it to protect its own interest.). Title insurance is a one time payment, usually about $300-500. If 10-20 year later, someone out of the blue claims the title, the underwriter will have a lawyer to deal with it. If the insurance did make mistake, they will take the responsibility.