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[Music] so lets bring back to where we are at in this course at this time weve had our borrower weve qualified our borrower and that pre-qualification process and weve given them a pre-qualification form and then or to the real estate agent they go out and shop for a house and they get make an offer on the house they get an accepted offer and then they have a contract the real estate contract and it will be executed so executed means its going to be signed and fully executed means its signed by all parties so then once you have the purchase contract it gives you the property address so now we have to pause and realize now that you have this property address you have one of the six key pieces of information that trigger an initial disclosure so were going to cover that here shortly what are those six key pieces of information but continuing on here we have the purchase contract typically the real estate agent would then send the contract to the title company the borrower would g