Hi At,
You may have signed an offer if you are still waiting from the bank. An offer does not become a contract until it is signed by all parties agreeing to the offer.

If you do not have a Realtor or a Certified real estate consultant helping you with this, then you should get one, or get an atty to advise you. As far as the closing goes, the seller gets to choose what title company or atty to close with. If you seek your own counsel - it will cost you over what the typical closing costs are, but you should have had someone from the very start.

If you have not had an answer from the bank as to whether or not your 'offer' with all the contingencies accepted, you have nothing. Banks are notorious at waiting for several offers to pick one.

Seek an agent, consultant or attorney now. Do not spend any more time or money until you've gotten help from someone who is competent in this area. Not sure if you are trying to buy a short sale or foreclosure, but find someone well versed in that area before proceeding.

Best wishes,