56 types of turbulence that can happen in your sale.

The Lender:
1) Lender does not properly pre-qualify the borrower.
2) Lender decides last minute they don’t like the borrower.
3) Lender decides they don’t like the property.
4) Lender wants property repaired prior to closing.
5) The market raises rates, points, or costs.
6) Borrower does not qualify because of a late addition of information.
7) Lender requires at last minute a second appraisal.
8) The borrower does not like the fine print in the loan documents that are received 3 days before the scheduled closing.
9) Lender loses a form or misplaces the entire file.
10) The lender does not simultaneously ask for all needed information from the buyer, they ask for information in bits and pieces.
11) Lender pulls a "bait & switch" on the buyer.
12) Lender does not have the money, so makes up some excuse for rejecting the buyer or delaying the transaction.

The Buyer:
13) Did not tell the truth on the loan application.
14) Did not tell the truth to their agent.
15) Submits incorrect tax returns to lender.
16) Lacks motivation.
17) Source of down payment changes.
18) Family members or friends do not like the house buyer chose.
19) Is too picky regarding condition of house.
20) Finds another property that is a better deal.
21) They are "nibblers" (always negotiating) and angers seller/lender/agents.
22) The buyers bring an attorney into the picture.
23) They do not execute the paperwork in a timely manner.
24) They do not bring their money to escrow via a cashiers check.
25) Job change, illness, divorce, or other financial setback.
26) Comes up short on money they stated they always had.

The Escrow/Title Company:
27) Fails to notify agents of unsigned or unreturned documents so that the agents can cure the problems.
28) Fails to obtain information from beneficiaries, lien holders, title companies, insurance companies, or lenders in a timely manner.
29) Lets principals leave town without getting all necessary signatures.
30) Incorrect at interpreting or assuming aspects of the transaction and then passing these items on to all parties such as lenders, buyers, and sellers.
31) Loses paperwork.
32) Incorrectly prepares paperwork.
33) Does not pass on valuable information fast enough.
34) Does not coordinate well so that many items can be done simultaneously.
35) Does not bend the rules on small problems.
36) Does not find liens or any title problems until last minute.
37) The Seller: Loses motivation (i.e. job transfer did not go through, etc.)
38) Illness, divorce, etc.
39) Has hidden or unknown defects that are subsequently discovered.
40) Home inspection reveals average amount of small defects that the seller is unwilling to repair.
41) Removes property from the premises that the buyer believed was included.
42) Is unable to clear up problems or liens.
43) Last minute solvable liens are discovered.
44) Seller did not own 100% of property as previously disclosed.
45) Seller thought getting partner’s signatures were "no problem" but they were!
46) Seller leaves town without giving anyone Power of Attorney.
47) The notary didn’t make a clear stamp when notarizing the seller’s signature.
48) Seller delays the projected move-out date.

The Appraiser:
49) The appraiser is not local and misunderstands the market.
50) No comparable sales available.
51) Appraiser delays (too busy, etc.)
52) Makes important mistakes on appraisal or brings in value is too low.

The Inspection/Termite Company:
53) Too picky with conditions and "scares" the buyer.
54) Infuriates seller.
55) Makes mistakes.
56) Delays report.