when the lender stopped returning my phone calls.  Trying to get a middle class, that would be under 100K a year in income around here,  first time buyer into a home on the Monterey peninsula can be quite a challenge.  Needless to say I was very proud of my client for being willing to go to special classes in order to qualify for a special type of loan.  After attending an all day courses in San Jose,  the course is not offered in Monterey County, in a language that he did no speak, my buyer received a certificate from his teachers allowing him to qualify for a below market, fixed rate, 40 year term loan.  Yippee now he could go shopping.  We identified the home and made the offer. We were in a multiple offer situation so the special letterto the seller and my clients  soon to be status as a father and working class husband won him acceptance of his terms.  We were set and ready to close in 30 days or less.  About 7 days from close the lender was nowhere to be found.  No answer on his cell, not in his office and the title officer had no luck reaching him either.  Strange enough he had already prepared the documents and had the loan ready to go…….. and then he went on vacation.  We closed a day late (not bad) and I never heard from him again.