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okay lets talk more about same-day mortgage because it is the Hot Topic now people are like well wait a second so is it just a pre-approval no guys its a fully underwritten loan and if youre in contract depending on how your loan is structured you could actually be clear to close in a day yeah if we can get the title work and you have an appraisal waiver you can literally be clear to close on buying a house in a day I know its crazy I get that it sounds crazy I was a disbeliever at first but then I tried it and I tried it again and we tried it some more and weve been doing it on pre-approvals too and its legit so yeah same day mortgage its magical if you guys are conventional buyers you should be hitting us up for this there is no reason to spend nights awake wondering if youre going to get approved when you can get it like this and for my va buyers my FHA guys we are fighting to make it so you guys they can do it the underwriting is a little more complex on your files which is