1) Customer tells LO at application that they want to use Title Company A so the processor orders the title work before we received signed disclosures back. We get the title work, and then we get the signed disclosures and the customer wrote that they want Title Company B. Since the bank jumped the gun before receiving disclosure to get the ball rolling, they are responsible for the cost and now have to order title work from Company B?
2) In the same scenario as above, the LO calls the customer after receiving the signed disclosures to clarify the change in title companies. The customer verbally indicates and then follows up with an email that they are ok with using Title Company A after all. Is that sufficient?