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hello there Jerry Norton thanks for joining me on this video and if youre watching this video then you have an interest in using my proof of funds letter but before you use it I do want to take a minute and just talk about and help you understand and make sure you understand how to use a proof of funds so lets kind of start with way back from the beginning or the basics of how proof of funds works so when it comes to proof of funds there are two types of proof of funds one is what we call a soft proof of funds and another one is called a hard proof of funds so this is some terminology thats used in real estate and the idea here is that when youre out making cash offers right so youre making an offer to buy a property with cash thats really important to do because it separates you from all of the financing contingency offers so itll put you a step above those offers so I highly recommend that when you make offers you make those offers as a cash offer now if youre using cash but