On or around March/April 2009, I met a friend of a friend that was interested in buying a home. He saw the opportunity that now is a great time to buy and with his recent engagement wanted a single family home. His criteria was pretty specific, he wanted a 3/2 with a pool and the backyard overlooking a golf course, water, or a conservation area for no more then 180k in the zip code 34747.

We started the search in May 2009 and over the next month I was meeting with him and his fiance to show him homes that matched his criteria. That area is a short term rental area due to Disney and most of the homes we visited where vacant or had guest books out for when people rented the home out weekly. After looking at a lot of homes the couple decided to put in an offer on a lovely 3/2 with a pool and backed up to a conservation area. The asking price was 180k and I helped negotiate the price down to 162k and the sellers paying the buyers closing costs. Inspection went well and only run in was the Master Bath shower that needed a re-tile. The sellers agent offered to fix it and the buyer was happy. The closing date was set for 7/31/09 and the only thing we where awaiting was the appraisal from the bank. The initial appraisal came back at asking price but the underwriters at Colonial Bank needed to do an additional review process that would last 3-4 days.

In the 3-4 days we where awaiting on the appraisal the buyer began to freak out. He was calling me 8-10 times a day and asking me questions that only God knew the answers to. I kept trying to tell him to relax and if the appraisal does not come through no big deal, it's back to the drawing board. The buyer kept telling me about his conversations with other Realtors now and that he wasn't sure about the deal. During this review process of the appraisal he called me and asked me to show him condos now with a $450/mo HOA fee, something completely different then his original specific needs in a property. I asked him if he was 100% sure he wanted out of the deal that was going to close in four days and he kept replying he is not sure. I said, instead of visiting condos that your not sure about, how about we just relax until this appraisal comes back with a yes/no from the bank and go from there. Or, you tell me you definitely do not want the property 100% and we will start looking at other properties. His reply to this was I am being "rude!" He tells me he is going to find another Realtor that has the time to show him property and answer all his questions and be able to tolerate his indecisiveness.

At this point, I cut him off. I figured he would realize I spent the last two months with him showing him properties leading up to the closing that was going to happen in four days. However, he felt the need to blame the Colonial Bank review process of the appraisal in this zip code on me. No commission is worth this, especially one in which I offered to give him 50% back at closing.

A few days later, the bank says the appraisal did not come through and all of that drama and time for nothing.