morsec: When can you access the mech lab to customize your mech?
Select the Mech you want to modify.
On it's display in the hanger, there is a REFIT button by the REPAIR button.
The REFIT button is how you customize each mech's loadout... but beware, there is a non-canon 'hardpoint' system in action! You will be limited as to what you can and cannot place in each area, and how many of each waepon system. For instance: a Shadowhawk with one LRM 5 can mount an LRM 20 in the same torso section, but not four LRM 5s; likewise, a Hunchback with six Medium Lasers can not swap them out for an AC 20, but could mount six Large Lasers.