Once in a while, when doing your general real estate transaction, the regular ho-hum, non eventual, transaction you hit a glitch in the road.  And then it takes every second of your 7 years of experience to get it to close if at all.  It's when this happens that a remarkable person will sometimes appear and do the right thing, at the right time and not panic.  A panic at closing has happened to me twice.  The latest panic has occured in the last two days and over the lending and getting the funding done before the closing.  Several agents, a FSBO, and two contracts closing one day apart fueled the panic with only one mortgage between both.  And now enters the QSMA (quality supporting mortgage agent).  She calms the three clients, had all the supporting paperwork to the title companies in plenty of time, and then she called with the southing words "Ready to fund at closing".  It's like a warm blanket.  My closing tomorrow will go unblemished and my client is happy that it's getting done on time and funded.  I don't care what RESPA says.  I'm taking her to lunch on me.