hi we bought a lot in a housing plan, i am sure the owner of the lot had a title search to begin with, now the bank is charging us for another title se

A title search will provide the bank with information as to any judgments, liens or other encumbrances on the lot to make sure that that any funds which are being loaned and which the lot will be collateral for, are made on collateral for which you will able to obtain clear title.  This is standard procedure and the bank is entitled to conduct a title search prior to making the loan commitment.  Even if the original owner had a title search, information about the property could change from when the owner's purchased the land and had a search done and when you are purchasing and thus, the fact of a prior title search is not something that a bank will rely on. I hope that this provides some guidance to you and answers your inquiry.  As the response is based on the general information provided, please consult with an attorney to secure further advice, if needed, based on the specific facts and circumstances.   Marla D. Sones