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[Music] all right guys the fha va mandatory clause a lot of confusion when it comes to paying over appraised value lots of people are saying that that gives the buyer it out and they dont have to pay over appraised value they have to buy the home for whatever it appraises for or they can get out of the contract that is a federal rule thats a federal document contracts are a state document and a binding agreement thats going to take precedence first typically thats how it should work so what we do is that a mandatory clause we dont get that signed up front what i do on those transactions to give a listing agent a little bit more um ability to agree to taking a veer fha offer thats going to pay over appraised value not thinking thats an hour as i we allow the seller and the agent to sign that at closing along with our buyer instead of signing it up front okay why do we do that because the closing documents are going to be sent with the correct purchase price showing being paid ove