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in todays video were gonna talk about the conditional loan approval status and how you get through that hurdle so that when it does come up you dont get stuck hey everybody Im Phoenix real estate agent John Cunningham with exp Realty and today Im joined by my co-host Tom Hemington at marketLine Mortgage Tom is the guy that I recommend to all my clients and my family whenever anybody needs to get a loan to buy a home or they want to refinance hes the owner of marketLine mortgage and he and I have been serving clients together as a team for over a decade now in other words youre in great hands when you work with Tom Tom I was wondering if we could start with the simple question and answer to this question what exactly is conditional loan approval sure thanks John so conditional loan approval is when you submit that application we gather all your income and asset documentation and we turn that in to the lender or to the underwriter upon that submission what we are wanting to see co