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In this YouTube tutorial, Gary Morin discusses the importance of a mortgage commitment letter, which is issued by the lender about two weeks before the closing date in a real estate transaction involving financing. The letter confirms that the lender has completed income and employment verifications, credit checks, and appraisals, and is committed to providing the loan on the closing date. The lender begins by verifying employment, credit, and income, then sends documentation to the underwriting department for final approval before issuing the commitment letter.
