Under the federal Real Estate Settlement Procedures Act (RESPA), no one — not your lender, not your real estate agent, not the seller — can require you to use a specific title company as a condition of getting your loan. They’re allowed to recommend one, and many do, but you’re free to compare and select your own. It’s worth asking about fees and service, since title and escrow costs and turnaround can differ. The contract may address who selects the company, so review it, but your right to choose is protected by law.