The title company was a smaller regional operation but the tile insurance policy is with Chicago so I am going to submit a formal claim with Chicago on Monday if there the is no progress.

they said that they do not do that, but i may be able to do something called a formal assumption of the debt. 

Thank you Karl for your feedback as I do not understand the formalities of this business yet.

PM me and I will provide you with their information or do a formal introduction via email.

Are there any formal standard letters for this situation?

Solely to the extent necessary to prevent interest under this Note from exceeding the Maximum Legal Rate, Borrower agrees that any amount that would be treated as excessive under a final judicial interpretation of applicable law shall be deemed to have been a mistake and automatically canceled, and, if received by the Bank, shall be refunded to Borrower, without interest.Default Rate.

Now in my state Oregon the FCL sales went from trustee to Judicial a few years back..

So the question is...can I get the deed without a formal closing?

There should also be a formal buy/sell agreement to back it up. 

The actual purchase contract will generally give the buyer 5 days to make formal application for a mortgage with a loan commitment provided within 20 days of execution (the last day that all parties signed the contract).