This is an interesting question as it happens more often than you might think and by national banks that everyone knows.  It is important to talk to people in the business, friends and family to see what their experience has been in obtaining a mortgage.  Going with a lender that does what they say they are going to do, when they say they are going to do it, can become critical on closing day.  Unfortunately, on the day you are supposed to be sitting at the closing table , you are already married to your lender and if they do not perform, it affects both buyer and seller.  So what happens at this point?  Texas Association of REALTORS® Vice President of Legal Affairs Tom Morgan explains your options in this video http://youtu.be/q5qkad2BylM.
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