PMI is not mortgage life insurance. PMI protects the company in the event of default. Possibly but not definitely. In some cases you may be allowed to obtain a special Power Of Attorney which is specific to the mortgage transaction only. A title company will be required for the closing of your mortgage transaction.
Most title companies have attorneys on staff to assist if needed.
However, if your transaction is unusual in some way it may be in your best interest to consult an attorney. The mortgage process is complex and a short delay in closing could cause you to be without a place to live. The seller pays Realtor commissions. If you're married, but on the application alone your spouse must sign the mortgage, and other related documents in order to acknowledge the debt on the property in the event of default. Interest rates are based on the specific programs for which you qualify.