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CONFESSION #0759 — POST-CLOSE CATASTROPHE
Thursday, August 6, 2026
The deal had been dead for a week before I found out. Buyer's agent never called me, never texted, I just got a voicemail from the title company asking why we hadn't scheduled the final walkthrough and I'm like what do you mean we closed eight days ago, and she goes no the funding fell through, the lender pulled out at the last minute because (and this is where it gets good) the buyer had co-signed on his brother's truck loan three days before closing and it tanked his debt-to-income ratio. Three days before. A truck. Not even his truck. His brother's truck that his brother apparently needed for a landscaping business that doesn't exist yet. The sellers had already moved to Phoenix. They were in Phoenix when I called them. They'd hired movers, put their dog on a plane, the whole thing. The buyer just kept saying he didn't think it would matter and I wanted to scream because we talked about this, we specifically talked about not making any major purchases, and he goes well it wasn't a purchase it was a co-sign, like that's different, like the bank cares about that distinction. The sellers are paying two mortgages now and the earnest money was only $4,000 which covers basically nothing and I still don't know if we're relisting or what because nobody returns my calls anymore including my own client.
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Judge Reginald Escrow III
⚖️ Presiding
GUILTY OF VEHICULAR DEBT-TO-INCOME MANSLAUGHTER IN THE SECOND DEGREE AND WILLFUL TELEPHONIC ABANDONMENT
The Court has reviewed this catastrophic chain of incompetence and finds itself PHYSICALLY ILL at the phrase "well it wasn't a purchase it was a co-sign." IT WAS A CO-SIGN ON A TRUCK FOR A LANDSCAPING BUSINESS THAT DOES NOT EXIST, COUNSEL. This is not a legal distinction, this is a man who looked at his own closing date and said "you know what this situation needs? A phantom lawn care enterprise and a Ford F-150." Reginald once had a buyer attempt to finance a hot tub three hours before signing and I made him sit in the corner of my office for forty-five minutes while I explained amortization schedules, but at least that hot tub was REAL and INTENDED FOR HIS OWN USE. The sellers are in Phoenix now, paying two mortgages, their dog traveled via AIRCRAFT for this transaction, and your buyer's brother doesn't even OWN A SINGLE LAWNMOWER YET. The buyer's agent's failure to communicate is a separate offense The Court will address when Reginald has recovered emotionally, but for now I am issuing a blanket condemnation of everyone involved except the dog, who conducted himself with more financial literacy than any human in this file. The Court must now adjourn because I am experiencing what my cardiologist calls "avoidable stress" and I need to go speak firmly to my gavel collection about the state of modern lending.
Phantom Truck Travesty
Have a confession? Judge Reginald Escrow III's docket is always open.
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