Huntsville, Alabama • Associate Broker • Real Estate Guide
AllisonClick
Licensed Since 2000 • Author • Your Real Estate Consultant for Life
“Real estate isn’t just about properties. It’s about people. It’s about making sure your experience is handled with care, foresight, and the emotional intelligence to navigate all the highs and lows.”
Navigating Transactional Turbulence
Meet Your Guide
A Steady Hand Through Every Storm
When you are buying or selling a home, you are not just moving property. You are moving your life. And in that journey, having the right guide makes all the difference.
Allison Click has been that guide in Huntsville, Alabama since 2000. As an Associate Broker with Leading Edge Real Estate Group, she has developed a rare ability: the capacity to anticipate turbulence before it arrives, and the skill to navigate it with calm precision when it does.
She brings experience, a steady hand, and a deep commitment to personal service and integrity to every transaction.
Allison is a proud member of the By Referral Only community, a network built on the belief that trust matters more than transactions, and that relationships outlast any closing.
Title
Associate Broker
Brokerage
Leading Edge Real Estate Group
Licensed Since
2000
MLS Agent ID
11171241
116
Types of Transactional Turbulence Identified
25+
Years Guiding Buyers & Sellers in Alabama
“Think about it. How many agents have a real plan for handling issues before they happen? Most don’t. But I do.”— Allison Click
The Book
Navigating Transactional Turbulence
Behind the scenes of every real estate transaction, there are 116 different kinds of turbulence that can shake a deal. Most are invisible to you, until they’re not.
When they hit, they can delay, derail, or completely dissolve a sale. This book gives you a behind-the-scenes look at what really goes on, and how to move through the process with confidence.
Written by Allison Click and published by By Referral Only, this is a field-tested map of every hidden current that can push a transaction off course, and the navigation strategy for each one.
By Allison Click • By Referral Only
The Complete Guide
All 116 Turbulences
Click any card to read Allison’s guidance on navigating that challenge.
Turbulence 1
Lying on a Loan Application: A Risky Move with Big Consequences
Buyer ChallengeTurbulence 2
Late Payments and Loan Approval: A Bump in the Road
Buyer ChallengeTurbulence 3
Debt: A Mortgage Dealbreaker Waiting to Happen
Buyer ChallengeTurbulence 4
When the Borrower Loses Their Job During Escrow
Buyer ChallengeTurbulence 5
When the Co-Borrower Loses Their Job During Escrow
Buyer ChallengeTurbulence 6
When Income Verification Falls Short
Buyer ChallengeTurbulence 7
When Overtime Income Isn't Allowed for Loan Qualification
Buyer ChallengeTurbulence 8
When a Large Credit Purchase Threatens the Closing
Buyer ChallengeTurbulence 9
When Life Happens: Illness, Injury, Divorce, or Financial Setbacks During Escrow
Buyer ChallengeTurbulence 10
When the Buyer Lacks Motivation: A Transaction Stuck in Neutral
Buyer ChallengeTurbulence 11
When the Gift Donor Changes Their Mind: A Financial Curveball
Buyer ChallengeTurbulence 12
When a Missing Divorce Decree Holds Up the Deal
Buyer ChallengeTurbulence 13
When a Missing Bankruptcy Petition or Discharge Derails the Deal
Buyer ChallengeTurbulence 14
When Tax Returns Go Missing: A Mortgage Approval Roadblock
Buyer ChallengeTurbulence 15
When Bank Statements Go Missing: A Transaction Stuck in Limbo
Buyer ChallengeTurbulence 16
When Verification of Rent Becomes a Challenge
Buyer ChallengeTurbulence 17
When Rising Interest Rates Push Borrowers Out of Qualification
Lender IssueTurbulence 18
When Loan Program Changes Bring Higher Rates, Points, and Fees
Lender IssueTurbulence 19
When Undisclosed Child Support Derails a Loan Application
Buyer ChallengeTurbulence 20
When Bankruptcy Within Two Years Threatens Mortgage Approval
Buyer ChallengeTurbulence 21
When the New Mortgage Payment Doubles: A Financial Reality Check
Buyer ChallengeTurbulence 22
When Employment History Falls Short Two Years: A Loan Hurdle
Buyer ChallengeTurbulence 23
Handwritten Pay Stubs Raise Red Flags
Buyer ChallengeTurbulence 24
When a Job Change with a Probation Period Threatens Loan Approval
Buyer ChallengeTurbulence 25
Switching to 100% Commission Income: Risky Move During Escrow
Buyer ChallengeTurbulence 26
When Death Occurs During a Real Estate Transaction
Buyer ChallengeTurbulence 27
When the Buyer's Expectations Exceed Their Budget
Buyer ChallengeTurbulence 28
When the Buyer Feels a Home Was Misrepresented
Buyer ChallengeTurbulence 29
Missing DD214 Form Creates VA Loan Challenges
Buyer ChallengeTurbulence 30
When the Buyer Comes Up Short at Closing
Buyer ChallengeTurbulence 31
When the Buyer Fails to Paper Trail Additional Funds
Buyer ChallengeTurbulence 32
When the Buyer Forgets the Cashier's Check: A Closing Day Crisis
Buyer ChallengeTurbulence 33
When the Seller Loses Motivation to Sell: A Deal in Jeopardy
Seller ChallengeTurbulence 34
When the Seller Cannot Find a Suitable Replacement Property
Seller ChallengeTurbulence 35
When the Seller Refuses to Allow the Appraiser Inside the Home
Seller ChallengeTurbulence 36
When the Seller Delays Home Inspections: A Recipe for Frustrations
Seller ChallengeTurbulence 37
When the Seller Removes Items the Buyer Thought Were Included
Seller ChallengeTurbulence 38
When Liens and Cash Shortfalls Jeopardize Closing
Seller ChallengeTurbulence 39
When the Seller Doesn't Own 100% of the Property
Seller ChallengeTurbulence 40
When Problems Arise Getting Partners' Signatures
Seller ChallengeTurbulence 41
When the Seller Leaves Town Without Granting Power of Attorney
Seller ChallengeTurbulence 42
When the Seller Delays the Move-Out Date
Seller ChallengeTurbulence 43
When Repairs Agreed to in the Contract Aren't Completed
Seller ChallengeTurbulence 44
When the Seller's Home Goes Into Foreclosure During Escrow
Seller ChallengeTurbulence 45
When the Seller Misrepresents Information About the Home or Neighborhood
Seller ChallengeTurbulence 46
When Hidden Defects Are Discovered After Non-Disclosure
Seller ChallengeTurbulence 47
When Inexperience in a Property Type Complicates the Transaction
Agent IssueTurbulence 48
When Access Delays for Inspections and Appraisals Derail a Transaction
Seller ChallengeTurbulence 49
When Paperwork Delays Hold Up the Lender
Lender IssueTurbulence 50
When the Real Estate Agent Lacks Client Control: A Transaction at Risk
Agent IssueTurbulence 51
When the Real Estate Agent Takes Unexpected Time Off and Becomes Unreachable
Agent IssueTurbulence 52
When the Agent Misleads and Lets Ego Interfere
Agent IssueTurbulence 53
When the Real Estate Agent Fails to Do Their Homework
Agent IssueTurbulence 54
When the Lender Fails to Properly Pre-Qualify the Borrower
Lender IssueTurbulence 55
When the Lender Requires Repairs Before Closing
Lender IssueTurbulence 56
When Market Conditions Raise Rates, Points, or Costs During a Transaction
Lender IssueTurbulence 57
When the Borrower Fails to Qualify Due to Late-Added Information
Buyer ChallengeTurbulence 58
When the Lender Requires a Last-Minute Second Appraisal or Additional Documents
Lender IssueTurbulence 59
When the Lender Loses a Form or Misplaces the Entire File
Lender IssueTurbulence 60
When the Lender Fails to Ask for All Information Upfront
Lender IssueTurbulence 61
When the Lender Fails to Fund the Loan on Time
Lender IssueTurbulence 62
When the County Won't Approve the Septic System or Well
Property IssueTurbulence 63
When a Termite Report Reveals Substantial Damage and the Seller Won't Fix It
Property IssueTurbulence 64
When the Home Is Misrepresented in Size or Condition
Property IssueTurbulence 65
When the Home Is Destroyed Before Closing
Property IssueTurbulence 66
When the Home Is Found to Be Structurally Unsound
Property IssueTurbulence 67
When the Home Is Uninsurable for Homeowner's Insurance
Property IssueTurbulence 68
When the Property Is Incorrectly Zoned
Property IssueTurbulence 69
When Part of the Home Encroaches on the Neighbor's Property
Property IssueTurbulence 70
When a Unique Home Lacks Comparable Properties for Appraisal
AppraisalTurbulence 71
When the Escrow or Title Company Fails to Notify About Missing Documents
Escrow & TitleTurbulence 72
When the Escrow or Title Company Fails to Gather Key Information on Time
Escrow & TitleTurbulence 73
When the Principals Leave Town Without Signing Key Documents
Escrow & TitleTurbulence 74
When the Escrow or Title Company Loses or Incorrectly Prepares Paperwork
Escrow & TitleTurbulence 75
When the Escrow or Title Company Fails to Relay Information Quickly
Escrow & TitleTurbulence 76
When the Escrow or Title Company Fails to Coordinate Efficiently
Escrow & TitleTurbulence 77
When the Escrow or Title Company Refuses Flexibility on Small Issues
Escrow & TitleTurbulence 78
When Liens or Title Problems Are Discovered at the Last Minute
Escrow & TitleTurbulence 79
When the Appraiser Is Too Busy to Complete the Appraisal on Time
AppraisalTurbulence 80
When No Comparable Sales Are Available
AppraisalTurbulence 81
When the Appraiser Is Not on the Lender's Approved List
AppraisalTurbulence 82
When the Appraiser Makes Mistakes or Undervalues the Property
AppraisalTurbulence 83
When the Lender Requires a Second or Review Appraisal
AppraisalTurbulence 84
When the Pest Inspection Isn't Available in Time
Property IssueTurbulence 85
When the Inspector Is Too Picky About the Property's Condition
Property IssueTurbulence 86
When the Home Inspector Is Unavailable in Time
Property IssueTurbulence 87
When Inspection Reports Alarm the Buyer and Cause the Sale to Collapse
Property IssueTurbulence 88
When You Pick the Wrong Real Estate Agent or Lender
Agent IssueTurbulence 89
When Interest Rate Lock Expiration Disrupts Closing
Lender IssueTurbulence 90
When Lender Guidelines Change Mid-Transaction
Lender IssueTurbulence 91
When Appraisal Gap Issues Threaten the Deal
AppraisalTurbulence 92
When Unexpected PMI Requirements Surface
Lender IssueTurbulence 93
When Self-Employment Income Fluctuations Create Lending Hurdles
Buyer ChallengeTurbulence 94
When Undiscovered Easements or Rights-of-Way Surface
Property IssueTurbulence 95
When Historical or Heritage Property Restrictions Impact Plans
Property IssueTurbulence 96
When Environmental Concerns Emerge During Inspection
Property IssueTurbulence 97
When Well or Septic System Problems Surface
Property IssueTurbulence 98
When Survey Disputes Create Boundary Conflicts
Property IssueTurbulence 99
When Personality Clashes Derail Negotiations
Buyer ChallengeTurbulence 100
When Emotional Attachment Complicates the Sale
Seller ChallengeTurbulence 101
When Unrealistic Timelines Create Transaction Pressure
Buyer ChallengeTurbulence 102
When Unexpected Life Events Disrupt the Transaction
Buyer ChallengeTurbulence 103
When Difficult Neighbors Impact Property Desirability
Property IssueTurbulence 104
When Market Conditions Shift Suddenly
Buyer ChallengeTurbulence 105
When HOA Disputes or Rule Changes Disrupt Sales
Property IssueTurbulence 106
When Nearby Construction or Development Creates Concerns
Property IssueTurbulence 107
When Local Government Regulations Impact Property Use
Property IssueTurbulence 108
When Title Insurance Complications Create Closing Delays
Escrow & TitleTurbulence 109
When Contingency Period Extensions Create Deal Uncertainty
Buyer ChallengeTurbulence 110
When Power of Attorney Issues Raise Red Flags
Escrow & TitleTurbulence 111
When Foreign Seller Tax Withholding Creates Complexity
Seller ChallengeTurbulence 112
When Estate Sale Complications Threaten Closing
Seller ChallengeTurbulence 113
When Chain of Title Breaks Create Legal Uncertainty
Escrow & TitleTurbulence 114
When Cybersecurity and Wire Fraud Threaten Transactions
Escrow & TitleTurbulence 115
When Lost or Damaged Documents Delay Closing
Escrow & TitleTurbulence 116
When Misplaced Funds Create Closing Chaos
Escrow & TitleClient Testimonials
What Clients Say About Allison
“Allison is a true advocate for her clients and goes above and beyond. She has a sweet personality and made the home buying process fun, even during a crazy market! My husband and I highly recommend Allison for your real estate needs.”— Julianne Walker
“Allison is top notch! She has been my realtor for two home buys and helped me sell my current house. She is always professional, has incredible attention to detail, and very responsive to any questions. She is always looking out for your best interest.”— Brittany Jeffers
“Allison was highly recommended to me for meeting my real estate buyer needs. She is great at handling any situation that may impact the buying process. I thoroughly believe she is well suited for any client. She is the best!”— Celeste Otero
Find Allison Everywhere
All Websites & Links
Common Questions
What People Ask Allison
What is transactional turbulence?+
Transactional turbulence refers to unexpected obstacles that arise during a real estate transaction. Allison has identified 116 distinct types that can delay, derail, or dissolve a deal.
Where can I buy Allison’s book?+
Available on Amazon now. (ASIN: B0FB9B1CL1).
How long has Allison been in real estate?+
Allison Click has been a licensed real estate professional and Associate Broker since 2000, with over 25 years of experience in Huntsville, Alabama.
What makes Allison different?+
Most agents react to problems after they surface. Allison anticipates them before they arrive. She has mapped 116 types of transactional turbulence, giving her a plan for every challenge before it becomes a deal-breaker.
How do I get in touch?+
Call: 256-682-0770. Email: [email protected]. Website: clickalrealestate.com.
Ready to Begin
You Don’t Have to Do This Alone. You Never Did.
Whether you’re thinking about selling the home you’ve loved for years, or preparing to step into a new one full of hope and possibility, Allison is here to steady you.
924 Merchants Walk, Suite B • Huntsville, AL 35801