Question for brokers / originators

Member since 2026 · 12 posts · 6 votes

What’s the biggest financing issue you’ve encountered that delayed or nearly killed a deal? Was it documentation, appraisal, reserves, debt-to-income, title, insurance, or something completely unexpected? After reviewing transactions for many years, I’ve noticed that a lot of these issues can often be identified before a file is submitted. I’m curious what challenges others in this community have run into.

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Erik EstradaBusiness Member
Lender · Member since 2022 · 6k+ posts · 1k+ votes
2mo
Quote from @Bill DiFilippis:
What’s the biggest financing issue you’ve encountered that delayed or nearly killed a deal? Was it documentation, appraisal, reserves, debt-to-income, title, insurance, or something completely unexpected? After reviewing transactions for many years, I’ve noticed that a lot of these issues can often be identified before a file is submitted. I’m curious what challenges others in this community have run into.

I would say the biggest issue in this industry all around is laziness. When your account executive is dragging their feet, not answering their calls, leaving items for the back burner, or just not taking your deal seriously, problems happen all the time.
Working with the right lending partner is key. It does not matter what the rate or fees are. If your deal is moving with 0 urgency, it will not close. What's the point of selling a low rate, low fees, if you know you are going to make your client go through hell to get it done.
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Bill DiFilippis
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Member since 2026 · 12 posts · 6 votes
2mo
Man Erik that is 100%!!!! Just not setting the package up / organizing properly is a HUGE thing on the UW side!
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J CastroBusiness Member
Lender · Florida · Member since 2025 · 673 posts · 240 votes
2mo
@Erik Estrada, Erik, I couldn't agree more. Communication and urgency can make or break a transaction.

From the lending side, I've found that many "last-minute surprises" are actually issues that could have been identified upfront with a thorough pre-underwriting review. Things like liquidity requirements, appraisal concerns, insurance coverage, title issues, or an exit strategy that doesn't align with the loan program can often be addressed before the file ever reaches underwriting.

The most successful deals are usually the ones where everyone—the borrower, broker, loan officer, processor, underwriter, title company, and appraiser—is communicating proactively. When one link in that chain slows down, the entire transaction feels it.

That's why I always tell investors and brokers to choose a lending partner based on reliability and execution, not just the lowest rate. A lender who communicates clearly, sets realistic expectations, and keeps the file moving can save weeks of delays—and in today's market, that can be the difference between closing a deal and losing it altogether.
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