I feel your pain.  Lenders and title companies would outsouce loan document signings to India if borrowers would go for it.  I believe the lenders and title insurance companies are currently working on a way to cut costs by eliminating abstactors, "closings" and borrowers all together:  Record mortgages on all U.S. residential real property for the contracted lender, issue a lender's title policy and bill the homeowners.  It is the homeowners' obligation to pay the bill because s/he didn't reply to the eMail stating they did not want the loan.  No reply to the eMail with 72 hours = automatic/no cash out refinance. What!  The homeowner doesn't have an internet-connected computer or the spam blocker stopped it.  Too bad.  (Sorry, not enough coffee to mellow me out.)

I wonder how many attorneys they paid to review and approve the practice of "We can automatically change vendor contracts in EVERY state by an automated eMail.  If the vendor does not reply in the negative, then the contract change is automatically approved by the vendor."  I hope to cut costs they sent similar eMails to their electric company, phone company, landlord, network service provider, FedEx and the U.S. Postal Service.

I feel sorry for the in-state title agency attorneys and staff that have to face their vendors on this one.

Like the abstractors, the non-attorney signing agents are being bombarded with eMails such as "you have to cut YOUR fees, because our volume is down, our expenses increased and we want to maintain the same profit margin."  They believe their vendors live in some alternate universe where our expenses have decreased.