Buying a home rarely goes exactly according to plan — and that’s why we’re back with Part 2 of our “What If?” Series, covering the real-life scenarios buyers face and how to handle them without losing your deal, your timeline, or your sanity.

In this episode, Sam and Zach break down four of the most common (and most stressful) “what ifs” in the home buying process:

• What if you change jobs during the loan process?

• What if the home inspection finds major issues?

• What if the previous buyer backed out?

• What if you fall in love with a home before you're pre-approved?

From job changes and income verification… to inspection negotiations… to back-on-market opportunities… to the dangers of rushing into a home before pre-approval — this episode gives you the blueprint for staying prepared and confident.

If you’re a first-time buyer, this is must-watch guidance from a real estate agent + lender team who have seen every scenario in the book.

New episodes every week — subscribe so you don’t miss Part 3 of the What If series.

00:00 — Intro: Why We Love the What If Series

Setting the stage for real-world buyer scenarios.

00:54 — Why These Scenarios Matter

How unexpected situations pop up during the home-buying process and why preparation matters.

02:35 — What If I Change Jobs During My Loan Process?

How job changes affect pre-approval, income verification, and underwriting timelines.

08:29 — Real Example: Borrower Changed Jobs Without Telling the Lender

Why communication is critical during underwriting.

09:29 — What If My Home Inspection Finds Major Issues?

Breaking down roof problems, foundation issues, HVAC failures, and negotiation strategies.

16:15 — Sellers DO Sometimes Fix Major Problems

A real waterproofing example and why sellers often address big-ticket repairs to keep a deal alive.

19:35 — What If the Buyer Before Me Backed Out?

Why homes go back on market and how to identify whether it’s a red flag or an opportunity.

21:37 — Inspections, Repairs & Second-Chance Opportunity

How sellers often fix issues highlighted by previous buyers.

23:38 — Why Back-on-Market Homes Can Be Hidden Deals

Price reductions, credits, repairs, and buyer leverage.

24:59 — What If I Love a Home Before My Pre-Approval Is Ready?

Why buyers get emotionally ahead and why pre-approval should come first.

27:54 — Why Pre-Approvals Aren’t Always Instant

Documentation, income complexity, credit challenges, and realistic timelines.

30:27 — The Danger of Shopping Without Knowing Your Budget

Why you shouldn’t tour homes without knowing your numbers.

32:14 — Final Thoughts + Preparing for Part 3

Closing recap and a tease of the next What If installment.