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In this video, Gary Morin discusses the importance of a mortgage commitment letter, which is issued by the lender about two weeks before the closing date in any financing transaction. The letter signifies that the lender has completed income and employment verifications, credit checks, and appraisals, and is committed to providing the buyer with the loan on the specified closing date. Before issuing the commitment letter, the lender verifies employment, credit, and income, completes an appraisal, and sends everything to the underwriting department for approval.
