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hi everybody Dana Sparks Broker of Maxima 1 Greater Atlanta Realtors and this witness contract tip has to do with earnest money and some issues that were having with lenders and then contractual issues so when youre working with a buyer and the buyer is putting in earnest money in a contract remember that the lender has to source that those funds has to be able to track where that earnest money came from it cant be cashed and it cant come from a cash account if it comes as a gift from somebody the lender has to be able to track and source that earnest money and where it comes from in order to process the loan and for the lobe to get through underwriting so the issues that were having is a lender cant source the funds the source of the earnest money for whatever reason so ok let me back up buyer has put in earnest money and the holder is holding it lets say its the broker holding the earnest money then as the loan goes food processing and goes through underwriting it turns out t