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hello its Charles Cherne and this is the ask Charles journey series many realtors serving buyers and sellers in cambridge and somerville massachusetts todays question is what is the mortgage commitment so the mortgage commitment is a letter from the home lender to the home buyer that commits the lender to providing the buyer a mortgage loan for a given property and the mortgage commitment is an essential piece to the equation of a home purchase so lets consider an example a typical time line would look something like this on day one there is an accepted offer for the buyer and then the offer accept it includes a home inspection contingency and the home inspection contingency is resolved and the home inspection is completed by say day 7 and the buyer is moving forward in the transaction on say day 7 8 9 or 10 the purchase and sale agreement is signed the P and s as we call it for short is the binding agreement that binds buyer to seller and replaces the signed accepted offer in the