Officials at Radian Guaranty are touting a new alternative to title insurance that they say will help cut fees in half. Dubbed Radian Lien Protection, the product is designed to protect refinance and home-equity loans against a range of title and lien-related losses. Offered through Radian’s ExpressClose.com platform, the product is part of what the company calls a "complete online closing" package that includes reduced-rate appraisals and credit reports, lower documentation charges and "more convenient