According to documents that were sent to me prior to the approval of the refinance of my mortgage, there were some services related to the title of my property that I could shop for. I called a local title company and found that they had slightly better rates than had been quoted by the mortgage company, so I got their information to share with the mortgage company when the time came. When I was notified that my loan had been approved and I indicated that I wanted to use the title company I had identified, I was told that my loan had already been assigned to another company and that if I wanted to use the company I had identified, it would result in a two-week delay in the closing of the loan, pushing the closing past the lock-in date for the interest rate. I chose not to pursue the closer that I had found and went with the service the mortgage company had chosen. The person who came to my house for the closing on the loan was ill-prepared, so that she had to examine every document to see if my signature was required and where it would go. There were some documents that applied to her, but I had to sit while she read them to determine what needed my signature. 
