The borrower doesn't like the rate? Cancellation!
When you whip the loan docs out of the pack, and the borrower sees that the rate or fees are higher than what the lender promised - they become irate. The borrower may decide not to sign at this point and cancel the signing after all of your hard work scheduling and getting there. This is why you always call the borrower and go over the main figures in the loan BEFORE you get in your car... if possible. Signing companies are notorious about not paying for incomplete signings, so make sure you get paid fast for this type if situation.