When handling loan closings, the thing I fear most is clients submitting missing documents in the last two days.

In terms of loans and closings, what I fear most isn't the volume of paperwork, but clients thinking, "We're almost at closing, it should be fine now." I once had a client whose process was going smoothly until two days before closing, when the bank suddenly requested an explanation for a large transfer. The client said it was money borrowed from family and that it was perfectly normal, but they…