Use an out of area lender
Quit your job
Buy a new car
Apply for new credit cards
Get a pre-approval letter from a lender who has not verified assets,income,credit
Decide at the last minute you want to change lenders
Purchase a vehicle without telling your spouse
Decide at the last minute you want to hold title in a trust
Hold back money in escrow at the last minute
Don't tell the loan officer before the appraiser is sent out that there is no bathroom or kitchen
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