The phone will not stop ringing… Arizona. My problem is, I will not accept last minute closings. It has been my experience in the last 20 years, last minute closings more than 85% of time have defects - that cause either a waste of my time - or - reschedule. I receive to many advance schedule calls to have that kind of headache. I have noticed though, with the “pandemic” and the rates being so low - things have really picked - along with mistakes from Lender’s and Title Companies. I always review the documents before going to a signing, and always let my lender know that it is my absolute policy to have the documents at least 12 hours before closing. Mainly because I the distance and travel time where I live in Arizona - I need a minimum of 1 hour travel time.