No. When purchasing a home, there are many professionals that are involved in the process. Recently, the government has instilled various procedures that can actually slow down the appraisal process, such as appraisal management companies. many bankers, brokers and lenders are not even legally allowed to speak with the appraisers any longer, to avoid any possibility of manipulation of the appraisers opinion. There are many things that can be done to ensure that the loan process runs smoothly. You can always extend a rate lock, sometimes at a cost, sometimes not. Contracts can most of the time be extended. The bottom line is, with so many people being involved in the process, it's impossible to guarantee a closing date. Any lender that does is risking their reputation and possibly putting the borrower in a bad position. It's important to be up front and honest with all parties involved to ensure a comfortable closing for everyone.