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hi everyone this is Erica Slayton with wallach and volt mortgage and a slate lending group I'm coming to you because I want to describe to you a particular disclosure that is required in all disclosure sets by the federal government on FHA and VA loans so anytime you have a government guaranteed mortgage there are certain specific documents that the governor fires to be in our loan file and this is actually at the very beginning we're talking about disclosures when you first go under contract for a home look it is called an amendatory clause so FHA and VA both require the amendatory clause and the amendatory clause basically states what the purchase price is and therefore of course you expect the value to be the same so if you're buying the house for 155 then we would expect the appraisal to come in at 155 or hopefully greater however sometimes it's short sometimes the value is actually lower than the sales price so this particular amendatory Clause document is supposed to be done at...