U.S. Mortgage Index

Which required mortgage closing services can I shop for?

Short answer

Shop for the services listed in Section C on page 2 of your Loan Estimate. The lender must also give you a written list of providers with that form. You may be able to use a provider that is not on the list if the lender will work with that company.

Full explanation

The CFPB says the Loan Estimate is the place to see which required closing services you can shop. Those services appear in Section C on page 2. Closing services are also called settlement services.

When the lender issues the Loan Estimate, it must give a written list of closing-service providers. You may be able to use a company that is not on that list if the lender agrees to work with that provider.

A Loan Estimate is not used for reverse mortgages, HELOCs, manufactured-housing or mobile-home loans that are not secured by real estate, or certain assistance-program subordinate loans. Those products use Truth-in-Lending disclosures. On a reverse-mortgage Good Faith Estimate, shoppable services often appear in Block 6, and borrowers can usually choose the settlement agent, title services, and homeowners-insurance agent as the form indicates.

Sources reviewed

Last reviewed

September 10, 2026