Although with legitimate reason (he was sick), closer was over an hour late to settlement. PenFed Title is owned by Penfed lender. Yet, there are closing services that were NOT required by Penfed lender, but they were required by the title company. Processes/services should be more streamlined since both are technically the same company. As the result, I ended up paying out of pocket for those services, rather than being covered by Penfed lender under its closing cost promotion.