I had a deal that was supposed to close on a Friday. Both parties had already scheduled movers. The buyer had given notice at their apartment. My seller had a moving truck literally packed in the driveway. Then at 2 PM on Thursday, the buyer's agent calls me and casually mentions that her client "forgot" to disclose that they'd co-signed on their nephew's car loan six months ago. The lender ran one final credit check, found the new debt, and the buyer no longer qualified. I spent the next four hours on the phone trying to find a solution while my seller sat on her front porch crying next to a tower of labeled boxes. We had to push closing by three weeks, my seller had to pay for storage, and the buyer had to move in with her parents temporarily. The nephew, by the way, had already missed two payments on that car. I now ask buyers if they've so much as opened a store credit card to buy a lamp since we went under contract. Trust no one.