Let me tell you about a pattern I have seen play out in this industry for 30 years. Buyer gets pre-approved. Realtor gets the letter. Everyone moves forward feeling good. And then somewhere between that letter and the closing table, the lender goes quiet. The buyer has questions but cannot get answers. The Realtor is calling for updates and getting voicemail. Something surfaces in underwriting that should have been caught three weeks earlier. And now everyone is scrambling to