5 Things That Could Derail Your Home Purchase—And How to Avoid Them
Contracts to Keys Blog | By Rebecca Scarnati – Realty ONE Group Ultimate
Buying a home is exciting—but it can also come with unexpected twists. As a real estate agent, I’ve seen buyers make it all the way to the finish line… only to stumble at the last minute over issues that could’ve easily been avoided.
Whether you're a first-time buyer or seasoned investor, here are five common dealbreakers and what you can do to keep your purchase on track.
1. 💳 Big Purchases Before Closing
The Problem:
It’s tempting to finance new furniture, a car, or appliances once you’re under contract. But lenders check your credit and debt-to-income ratio again before closing. Any major change could affect your loan approval.
How to Avoid It:
Hold off on opening new credit cards or financing big-ticket items until after the deal has closed. If you’re unsure, talk to your lender first.
2. 📑 Missing or Delaying Paperwork
The Problem:
Lenders are on strict timelines and often need updated bank statements, pay stubs, or other documents. Delays can push back your closing—or worse, result in a denied loan.
How to Avoid It:
Respond to requests from your lender, agent, or title company promptly. Keep a digital folder with updated documents ready to go.
3. 💼 Changing Jobs Mid-Transaction
The Problem:
Switching jobs during the mortgage process—even for a higher-paying one—can throw a wrench into your loan approval. Lenders want stable, consistent income history.
How to Avoid It:
If a career move is unavoidable, let your lender know as early as possible. They may be able to re-verify employment in time to stay on track.
4. 🔍 Surprises on the Inspection Report
The Problem:
A home inspection can uncover major issues—like foundation cracks or roof damage—that cause buyers to back out or renegotiate. These surprises can kill the deal if not handled properly.
How to Avoid It:
Hire a trusted inspector and discuss findings with your agent. If problems arise, be open to negotiations or credits instead of walking away immediately.
5. 💰 Low Appraisal
The Problem:
If the appraisal comes in lower than the purchase price, lenders won’t cover the gap—leaving you to either pay the difference, renegotiate, or walk away.
How to Avoid It:
Work with a knowledgeable agent who understands the market and helps structure a strong offer. If a low appraisal happens, don’t panic—your agent can guide you through renegotiating or appealing.
Final Thoughts 💡
Buying a home is a major milestone—and the process doesn’t end once your offer is accepted. Staying prepared, responsive, and informed can make all the difference.
If you're looking for expert guidance through the buying process, I’m here to help—from contracts to keys. 🗝️
📞 Rebecca Scarnati
📍 Realty ONE Group Ultimate
📲 Cell: 724-614-6662
☎️ Office: 724-201-0514
📧 rebecca.a.scarnati@gmail.com
🌐 rebeccascarnatisellsrealestate.com