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so today were going to talk about offer letter strategies in 2021 so this is very different to what ive done in the past so prior to this year and a little bit towards the end of last year i would always tell people hey i want to know exactly what youre offering so that we can have your letter match to the penny we never want to show the seller your hand we only want them to know that youre qualified for what youre offering okay well back in those days you know early 2020 and prior um people werent always offering the purchase price or above okay in a market where youre offering above the purchase price its actually better to have a higher letter yes so what im doing with clients now is basically lets say that theyre looking at 550 but they qualify for 650 you know were having were getting people fully underwritten at that higher level so that they can actually write anywhere you know below that and im not lowering the letters if theyre offering below that because i act