Can I choose my own title company, or does my lender or agent pick?

Under the federal Real Estate Settlement Procedures Act (RESPA), no one can require you to use a specific title company as a condition of getting your loan. That includes your lender, your real estate agent, and the seller. 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.