[Hal :-)]

We're down here now looking to purchase a discount new home in The Villages. We signed the agreement on Wed and closing is scheduled for Jan 7. We thought we'd like to interest rate shop and checked with a couple of banks and they were unable to close so quickly. It seems the closing window is so short deliberately to funnel activity to the Family bank, Citizens. That's disappointing, but more than that I'm concerned Citizens could fail to close on time (I recall reading a scare story right here before). The contract says if you fail to close on time you lose the discount (11K in this case) and pay Citizen prime rate +1 1/2% plus $250.00. That's bolded in the contract also. Just curious, has anyone had, or heard, of issues? Anyone actually run over? I understand the 30 days is standard, but it seems particularly tight with the holidays.