I turned down a guy that needed EMD. I was introduced to him two days before the money went hard.[ I didn't know when at the time and he wouldn't answer my question or maybe he was stress out .} He send the info late the next day. He kept on asking questions about the up front fee options. Then there was silence. On the dead line day, he text me, ok I'll take option 1, he had 3 to 4 hours left . I asked him if he could get an extension, that I didn't want to send this into the underwriters at the last minute. He said, no. And that was that.