I had a buyer and seller who actually liked each other. I know, rare. We negotiated a fair price, inspections went smoothly, appraisal came in fine. I was already mentally spending my commission. Then three days before closing, the buyer's lender calls. Turns out my buyer decided that the week before closing was the perfect time to finance a $47,000 pickup truck. Just walked into a dealership and signed papers like his debt-to-income ratio was someone else's problem. The loan fell through instantly. The seller was furious. I had to make that call explaining that we lost the deal because a grown adult couldn't wait ten more days to buy a truck he'd been living without his entire life. The best part? He called me two weeks later asking if I could help him find a cheaper house now that his budget had changed. Sir, your budget changed because YOU changed it. I told him I was "focusing on other clients" which is code for "I cannot emotionally survive working with you again." That truck better be incredible. I hope he loves it more than homeownership.