By the time home buyers make it to the closing, it’s smooth sailing, right? Wrong.

For home buyers, the adage “loose lips sink ships” is pretty darn spot-on as a best strategy at settlement. In fact, “there are things that home buyers could say that could stop the closing entirely,” warns Jennifer Baxter, associate broker at ReMax Regency in Suwanee, GA.

Moreover, if settlement gets delayed on your account, there can be major repercussions.

“If you don’t close on time and it’s your fault, you could be considered in default,” which means you’ve failed to meet your obligations to the sales contract, says Washington, DC–based real estate agent Katie Wethman.