What'll Most Likely Happen for Buyers

You will not be told how much money you need to bring to closing until just days before closing

Dates on the contract will change, possibly multiple times

You will get anxious and nervous

Property may not appraise at what you are buying it for

You will become annoyed with last minute paperwork request from mortgage company, especially since they ask for the same things over and over

Mortgage company will pull another credit report just days before, sometimes the day of, closing