Successful businesses have a system for every process. This system allows them to solve problems in advance instead of being in the business of “Putting Out Fires”. The following list was developed from research of the home buying to find out why customers were dissatisfied with their process. I have developed systems that will enable us to overcome these problems, resulting in a successful closing for you!

	Lender does not properly pre-qualify borrower.
	Lender decides last minute they don’t like borrower.
	Lender decides last minute they don’t like the property.
	Lender wants property repaired or cleaned prior to close.
	Lender raises rates, points, or costs.
	Borrower does not qualify because of late addition of information.
	Lender requires at last minute, a re-appraisal.
	The borrower does not like the fine print in the loan documents.
	Lender loses a file.
	The lender does not simultaneously ask for information from the buyer, they ask for information in bits and pieces.
	Lender pulls a “bait and switch” on the buyer.

	Did not tell the truth on loan application.
	Did not tell the truth to their agent.
	Submits incorrect tax returns to lender.
	Lacks motivation.
	Sources of down payment change.
	Family members did not like property.
	Is too picky regarding condition.
	Finds another property that is a better deal.
	They are “nibblers” (always negotiating).
	The buyers bring an attorney into the picture.
	They do not execute paperwork in a timely manner.
	They do not deliver their money in a “check cleared” fashion to the closing agent.
	Job change, illness, divorce, or other financial setback.
	Comes up short on money.
	Does not obtain insurance in a timely manner.

	Fails to notify agents of unsigned or unreturned documents so that the agents can cure the problems.
	Fails to obtain information from beneficiaries, lien holders, title companies, insurance companies, or lenders in a timely manner.
	Lets principals leave town without getting all necessary signatures.
	Incorrect at interpreting or assuming aspects of the transaction and then passing these items on to related parties such as lenders, attorneys, buyers, and sellers.
	Loses paperwork.
	Incorrectly prepares paperwork.
	Does not pass on valuable information fast enough.
	Does not coordinate well so that many items can be done simultaneously.

	Loses motivation (i.e. job transfer did not go through, etc.).
	Illness, divorce, etc.
	Has hidden defects that are subsequently discovered.
	Unknown defects are discovered.
	Home inspection reveals average amount of small defects that seller is unwilling to repair.
	Removes property from the premises that the buyer believed was included.
	Is unable to clear up problems or liens.
	Last minute solvable liens are discovered.
	Seller did not own 100% of property as previously disclosed.
	Seller thought partners signatures were “no problem”, but they were!
	Seller leaves town without giving anyone power of attorney.
	The notary did not make a clear stamp when notarizing the seller’s signature.