Under the federal Real Estate Settlement Procedures Act (RESPA), builders and realty brokers are prohibited from requiring customers to use their own affiliates or subsidiaries for mortgage, title or other settlement-related services. They can recommend affiliates -- provided they also disclose the relationship -- but they cannot force consumers to use them.
Consumers should not allow themselves to be bullied by builders, lenders, or Realtors who own affiliated companies. Make your own decisions. The law is on YOUR side.