Today I was supposed to meet a notary at my home @ 5pm to sign the closing for my refi-loan on my home. The lender set this up with the time at my choosing, which was today @ 5pm, there was an accident on the highway, I was 2 minutes late, got home at 5:02pm and haven’t seen the notary. I reached out to the lender and account manager and asked if the notary didn’t arrive, wasn’t scheduled, or left at 5pm on the nose. Account manager got back to me and said “I am assuming that we have to reschedule if they did not show up to the appointment.” My question is what happens to the state of my loan? Are those documents time sensitive? Why didn’t they give me a number to contact the notary in case I was 2 minutes late getting to my own house? I imagine the notary wasn’t scheduled, the account manager said it’s possible “title” didn’t schedule them, and that I didn’t miss them. I’m punctual and never late for shit, nothing in my world is unreasonable or out of order in any way. This has me all paranoid and twisted up that I’m going to lose something here because of this. Am I overreacting? Is my loan ok?