I'd explain that the closer has nothing to do with the agreed upon loan terms and get that lender on the phone ASAP. 

Greart question. If the closer cannot keep the peace, then I will step in and calm things down! 

I let the Attorneys handle it. The most I will do is try to calm my Client down and hold the closing together.

 Good Tuesday morning Debbie. I think that this would be something that the closing attorney would be best suited for. This is what they get paid for

Good morning Debbie. The pressures of a mortgage these days can frustrate just about everyone, the closer just happened to be the one that was there.

I would not step in, unless you saw that things were heading in a bad direction.

Debbie Reynolds unless you can help resolve the issue, it may not be wise to step in.

Of course, you can ask your client to calm down. Anger does not help resolve the issues.

And if lender was around...

(In MA, attorneys handle the closings and lenders are present very very rarely.)

Debbie,

I think it depends on the situation.  There are times, when we would step in if necesary, or not at all.  A

I would prefer for the closer to handle it -- but if there is a problem, I am willing to step in and help.

I'm a Realtor and not a closer.  Not my job or place to step in.

That's a it depends. If they lender was at my recommendation I might butt in, if they picked the lender, I am staying clear of it.

I work with a very good lender and have never had little surprises come up at the last minute that a Client would not be prepared for.

Ah, it is one of those extra jobs we have that ain't really ours - to keep the mood cool while it gets figured out. And try to micromanage enough beforehand so as to avoid it.

I would explain the closer has nothing to do with the lending side and is only taking direction from the lender. Then I would get the lender on the phone. 

We don't have closing meetings in my province so this type of issue does not arise.

Debbie - I would let the closing agent try and resolve, but if I can see there are issues, and things are not going well, I will step in and see if I can help.

Without a closing table, we don't encounter this. But sometimes loan docs aren't right, then I let the lender fix it. 

My lender always attends the closings, even on those that my agent is absent for.

I let the closer handle it unless I can tell that person needs a bit of help

Was this your client, Debbie, or the other party's client? If the loan officer was not present for my client, I probably would have called the loan officer and had a conference call with him or her.

It depends on the client and the closer.

This is when you wished the lender was attending the closing to step in.   Not being briefed on the buyer's loan details, not sure I would step in.   Probably would get the lender on the phone if not in attendance.

I prefer to let the closer control the settlement. I will respond to questions and add information if needed. Momemts can sometimes become heated but it do not want to have arguments.

Generally, the closer is not responsible for the loan terms. You might have needed to get the mortgage broker on the telephone unless they were present.

It should have been specifed and discussed in advance. Similiar event happened to me that borrower wanted tax to be paid by the bank through the escrow.  Loan agent should have showed up at closing which she did not.    I was invited to the house warming party so he was not as upset.  communication is important.

First off, which detail(s) on the initial Loan Estimate, Final Loan Estimate and Final Closing Disclosure which were all disclosed, re-dislosed and then disclosed again, and acknowledged received by the borrower, did he not read and understand--or worse: not bother to ask about before the signing? The loan docs and the the final CD have virtually zero tolerance for any discrepency other than a day or two of accrued interest...

People that don't bother to read the whopping 3 page Loan Estimate have no reason to raise Cain 5 minutes before midnight...

Probably result in someone taking a 1 star reviw on Yelp from the borrower from Hell....

Have the borrower, from the cell phone surgically attached to their hand these days, or have the lender or broker forward the most recent re-disclosure package they accepted, signed and returned .

The scroll to the "Closing Costs Fees Worksheet" which looks like the old GFE back in the days before 2010 when things were simple to understand and see what's off.

Now days, I'd bet the borrower was disclosed, disclosed some more, re-disclosed, re-disclosed some more, loan was locked and caused a COC (Change Of Circumstance) and re-disclosed again, then re-disclosed before closings, but the borrower suddenly feels they are getting done wrong when they likely have not even read any of the massive amount of Over Disclosure now required. 

The closer is a professional and should be able to diffuse the situation.

Most of the time the lender will be at the closing.  I just defer to them on something like this.  I've had clients get heated before and I've stepped in to calm them down a bit.  It happens.  

Our Buyers choose the lender (hopefully one we trust - but sometimes someone we don't know).  We make it clear from the outset that the relationship is between them and the lender they select - we don't manage it for them.  Rarely do we attend a Buyer signing as almost all of them opt for a complimentary mobile notary service at their place of business or at home after hours.

Debbie Reynolds Why shoot the messenger. I would jump in and we would be making a call to the lender to resolve the issue to the client's satisfaction.

I would let the closer handle it, or try and get the lender on the phone.  Good lenders attend closings.

I request that the loan officer attend all closings for this reason. 

I think real estate agents should stay out of those situations.... 

  I let the closer do their job before stepping in if needed.