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CONFESSION #0781 — OPEN HOUSE HORROR
Friday, August 14, 2026
The lender called three days before closing. Says the buyer's debt-to-income ratio changed. I'm like what do you mean changed. He goes "she bought a car." A car. I called her and I'm trying to stay calm and she goes "it was such a good deal though, zero percent financing." Ma'am. Ma'am. You are three days from owning a house. A four hundred thousand dollar house. She goes "but I needed a car for the new commute." The loan fell through. Obviously. The sellers had already packed. Moving truck scheduled for Saturday. They had to unpack. Put everything back. The listing agent called me and just said "are you serious" and honestly I didn't have words. The buyer cried. Asked if she could return the car. I don't know, can you? That's not my— I'm not a car salesman. She still texts me sometimes. Asking when she can try again. I just. I don't respond anymore.
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Judge Reginald Escrow III
Judge Reginald Escrow III
⚖️ Presiding
GUILTY OF VEHICULAR HOMICIDE OF A MORTGAGE IN THE FIRST DEGREE
The Court has seen many things in its years on this bench, but rarely has Reginald witnessed such a pristine example of financial self-sabotage being inflicted upon an innocent bystander agent. Zero percent financing, she says. ZERO PERCENT. You know what else has zero percent value? YOUR CLOSING. The Court once purchased a decorative gavel stand on credit the night before refinancing my own home and my loan officer called me at 6 AM weeping, so I understand the temptation, but I am also a DEEPLY FLAWED individual who should not be used as a behavioral benchmark. This buyer committed what we in the legal community call "pulling a full Carmax" and you, agent, are merely the collateral damage left to field her plaintive text messages like some sort of emotional roadside assistance service. The sellers had to UNPACK. They had to put their throw pillows BACK on the staging couch. This is chaos of the highest order, and while the Court finds you not culpable for the vehicular acquisition itself, your continued silence in response to her texts suggests a wisdom that frankly The Court finds suspicious in someone who willingly chose real estate as a profession. Case dismissed, but Reginald needs a moment because this one reminded me of my third wife's jet ski incident.
SCANDAL RATING: 6.4/10 Zero Percent Brain Cells

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