This is a topic that comes up often. As I've said before, this is one more reason why the low fees that so many area accepting as the "going rate" make little sense. If you don't have the docs in advance, in essence, they're tying up much more of your time than what it takes to print, drive, sign, etc. because it might limit what other appointments you accept.
I agree with the others that the holdup is likely in the lender's hands. However some companies DO manage to handle their planning so that docs arrive on time. But regardless of where the holdup is, they can't MAKE you sit around waiting for docs. They're clearly not paying you for your entire day. As has been said, you need to give them some reasonable parameters (and we can do so without being disagreeable), and get on with your day.
When we look at our business plans and calculate our return on invested time, these things should be taken into consideration...
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