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hey everybody this is bill with no dairy coach calm I am just now leaving a signing where a borrower refused to sign the documents because the terms of the loan did not match their expectations now this does upon occasion happen its actually a little more rare that you might think namely because with the new trade laws since 2015 the borrower gets a closing disclosure three days ahead of the signing to review the terms of the loan and make sure that everything still matches now in this particular case borrower did sign off on the closing disclosure that has the same numbers that I brought to the table today however they have had a conversation with the loan officer via text message outlining some different terms and looks like there was maybe a little bit of a breakdown of communication lender credits did not appear the way that the borrower expected that payment was more than expected and the cash out for the refinance and was lower than expected so this borrower immediately let me