Try asking on a US based forum and you might get an answer - this one is UK based and I doubt there are many people on here who have a knowledge of Florida law!
All mortgages here in the U.S. are a series of forms. They have been, obviously, approved by an attorney, but one is not neccessarily present during the pre-signing or signing that accomplishes the final purchase. You can be represented by an attorney if you feel the need, but most home buyers don't...
Other forms and requirments such as title search and verifications are all bonded as part of the Real Estate company's license...