6 Ways To Avoid a Meltdown While Under Contract


One Saturday morning, I woke up to a text that every agent does not want to see.  Your client, a buyer that closes on her 1st home next Friday, says:

“I want to terminate. Candle, I feel like I'm on a ledge and I have no idea what's going on. The lender keeps asking me for more documents, the seller isn't helping at all, I just want to walk away from this home. I don't care if I lose the earnest money.”

Every agent has gotten a text message, a phone call, or email from a client with the same frustration. I have some realtor friends that have told me stories of how buyers have not even show up at their closing. The elephant in the room in all of these situations are the result of a buyer meltdown.

Buying a home, especially your first home, is the largest financial commitment you will make. For 30 days, your life will be interrupted with strangers invading your privacy, calling, and emailing all day wanting money. Asking why you are late on credit card payments from a year ago, and then asking you to put it in writing and email it as soon as possible. Yes, this is stressful, however, it is your Realtor’s responsibility to work with you and calm situations when it gets too stressful.

Here are 6 strategies that can help you from freaking out before closing:


Make sure you take full advantage of your buyer consultation with your realtor and lender.

 Ask every question to your realtor and lender before the process begins. The goal of the consultation is to be so overconfident and educated in the home-buying process you can handle any stressful situation that may occur. Establish great communication and strategies with your lender and your realtor so everyone can find a solution to any problem that may happen.


Already be fully pre-approved.

There's a difference between being pre-approved and pre-qualified. Giving your social security number over the phone to a lender or through an online application can give you a pre-qualification letter.

Pre-approval is when you turn in all your financial documents W-2, tax statements, and other required documents.. I highly, highly, highly, highly recommend getting a pre-approval letter before you begin searching; it will take much pressure off of you getting in your docs before deadlines.


Create a calendar on your phone or in your planner.

Mark with all the deadlines from your realtor, lender, and closing attorney (title company). Make it your intention to beat these deadlines.


Become flexible.

You may need to write an unexpected letter by a deadline, call the credit card companies, even past lenders that may show up on your credit report last minute, so prepared for the unexpected.


Spend at least 30 minutes to an hour packing daily.

Many of my clients wait until the last minute to begin moving, packing, finding help to pack, and end up having to stay later in their apartment and pay extra fees because they did not plan to move.


Stay positive!

This is the most important thing you should master during this home-buying process. I have seen many clients pray and meditate daily, avoid certain people, drive by the house everyday, window shop, create vision boards, begin planning their housewarming party, and other major events to stay focused on their goal which is to own a home.

How do you eat an elephant? One bite at a time. Day by day, remember you are getting closer to the closing table. Don’t give up on your dream of home ownership. You’ve got this!  

P.S. If you have any questions, leave them in the comments, and I will answer!