Possibilities include the title insurance company or Closing Agent, attorney's office, one of the Realtor's offices and the mortgage company's office. Standard procedures vary between states and sometimes local areas. Make sure you know which applies to your transaction at least 24 hours prior to closing. The Closing Agent is the best person to speak with. You may be surprised how often the other parties do not communicate well and will assume the wrong answer.
Every borrower has the right to a private closing .
In most cases, the terms of your financing are not relevant to the other people of the transaction and need not be seen by these third parties. If you intend on invoking this right, be sure to inform the Closing Agent several days prior to closing. This will allow them time to make proper arrangements in their office. The last week of every month, especially December, is extremely busy for both the Closing Agent and your mortgage lender. There is a larger possibility that an error may be made during this time.