Which action is NOT typically a way a lender can facilitate a closing?

Facilitating a loan closing typically involves actions that help streamline the process and ensure all necessary details are handled efficiently. Organizing documents and delivering them promptly is crucial, as delays in documentation can push back closing dates. Providing means for discounting front-end fees is also a helpful practice, as it can make the loan more affordable for the borrower and encourage them to proceed with the closing. Requiring the use of an affiliated title insurance provider can also be a standard practice aimed at ensuring all parties involved are comfortable and familiar with the service, although it may raise concerns about conflicts of interest.

In contrast, providing options for various servicers is not a typical way a lender facilitates closing because it may add complexity to the process rather than streamline it. During the closing phase, borrowers are generally focused on finalizing their loan agreement, and presenting multiple servicer options could create unnecessary decision fatigue. Most lenders work with specific servicers, and aligning with one simplifies the closing process, making it more efficient for all parties involved. Thus, this action stands out as less conducive to facilitating a smooth closing.