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In this tutorial, the word of the day is "commitment letter," which is a binding offer from a lender detailing the mortgage amount, interest rate, and repayment terms. Most commitment letters are conditional, meaning the lender will fund the mortgage as long as specific conditions are met within a set timeframe. Common conditions include providing additional documents, maintaining credit score and income, having homeowner's insurance, and showing ability to make required down payments. Smooth and quick transactions require meeting these conditions.
