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ladies and gentlemen welcome back to the sigma real estate glossary in under two minutes i'm your host jimmy o'done and the word of the day is commitment letter let's go a commitment letter is a binding offer from your lender that includes the amount of the mortgage the interest rate and repayment terms keep in mind most commitment letters are conditional which means the lender agrees to fund the mortgage as long as certain conditions are met and within a certain time frame now conditions are probably going to vary by lender and by borrower but a few examples of common conditions outlined in the mortgage commitment letter include the buyer must provide additional documents there cannot be a change to the buyer's credit score income there must be proof of a homeowner's insurance policy the buyer must show they're able to make the required down payments those are just for to name a few usually it's going to be a whole list of them if you want a smooth and quick transaction then you must...