95 Things That Can Go Wrong Between Application and Closing

69. Your husband co-signed a charge card for his 18-year-old secretary.
70. Water drips on your head at the pre-closing walk-through.
71. Your parents tell you at the last minute that you are making a really bad decision.
72. Your parents decide not to give you the gift of money you need to buy the house.
73. That one really bad spot on your roof shows up in the appraisal pictures and you have to get a new roof on the house before the closing.
74. It's the end of the month and the Title Company doesn't have any time slots left to close your loan.
75. The sellers listing agent forgot to tell you about that toxic waste dump at the other end of your street.
76. You decided you couldn't wait to get your appliances after the closing and you put them on a credit card and now you don't qualify.
77. I lost your file when a new client of mine accidentally picked it up off of my desk.

78. A hurricane demolished your current mortgage company in Florida and we can't obtain a mortgage payoff for your closing.
79. You've really only been getting that overtime you told me about for 2 months, not 2 years.
80. The builder on your new construction home doesn't build your house the way he's supposed to.
81. The funds for your closing accidentally don't get ordered and aren't at your closing.
82. You get sent out of town on business and never signed power of attorney for anyone else to close on your mortgage for you.
83. The payoff on your credit cards is a lot higher at closing than what I knew about and now there's not enough money at the closing to payoff those debts.
84. My underwriter doesn't buy your reasons for your late payments on your credit report.
85. You're really not paid a salary; you're paid on a draw. And it's not been for 2 years, just for 5 months.