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hey brooks kelly with hometown lenders today weamp;#39;re talking about the fha mandatory clause you have a bunch of buyers out in the market that are fha approved and theyamp;#39;re not getting houses and why is that and itamp;#39;s because of this one form so when you make an offer thatamp;#39;s fha and in your third party financing you check fha that seller is agreeing to signing that a mandatory clause and the amendatory clause says that the home must appraise for the purchase price or the buyer has the right to terminate so itamp;#39;s a protection that fha is giving their buyers but it doesnamp;#39;t necessarily protect the seller so while the buyer probably has every intention of paying the difference you got to make sure that they have that money to do so and that theyamp;#39;re well intended and are going to do so if the appraisal doesnamp;#39;t hit otherwise there is no protection for the seller so uh this is a uh something thatamp;#39;s come up over and over again y