Buying a home can feel overwhelming—not because of the house itself, but because of the “what ifs” no one prepares you for.

In this episode of Closing the Deal, Realtor Zach Dickson and lender Sam Enright break down four realistic “What If” scenarios that buyers commonly face during the home-buying process—and how to navigate them without panicking or losing the deal.

We cover:

What if there are multiple offers on the home you love?

What if your monthly payment comes in higher than expected?

What if the closing timeline gets delayed?

What if your credit score changes during the loan process?

These situations are more common than you think—and none of them automatically kill your deal. With the right preparation, communication, and professional guidance, they’re all manageable.

Whether you’re a first-time homebuyer or just want to avoid surprises, this episode will help you feel more confident and prepared before making one of the biggest financial decisions of your life.

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00:00 – Why Buyers Get Overwhelmed by “What Ifs”

01:36 – Why These Scenarios Are More Common Than You Think

03:47 – What If There Are Multiple Offers on the Home?

07:51 – How Buyers Should Approach Competition

08:47 – What If Your Monthly Payment Is Higher Than Expected?

10:25 – Interest Rates, Taxes, and Insurance Explained

13:45 – How Lenders Estimate Payments (And Why They Change)

15:05 – How to Protect Yourself From Payment Surprises

16:20 – What If the Closing Timeline Takes Longer Than Expected?

18:55 – Title, Financing, and Seller Delays Explained

21:55 – Why Extensions Are More Normal Than You Think

22:56 – What If Your Credit Changes During the Loan Process?

25:10 – Credit Pulls, 120-Day Windows, and Common Mistakes

27:45 – What Not to Do With Credit While Buying a Home

29:08 – Why Communication Solves Almost Every “What If”

31:15 – Final Advice for First-Time Homebuyers

33:02 – Where to Listen & Watch the Show