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hey folks my name is chris at hauseit i'm the co-founder here at house it based in miami florida today we're going to talk about a topic it is that is on the minds of many first-time home buyers here in florida and that is can i bank back out of a commitment letter well let's first take a step back and examine what a commitment letter really is so as you've seen in previous videos or have probably heard the whole point of having a financing contingency in your contract here in florida is to be able to get a commitment letter from a bank within x number of days so it's typically 40 45 days it's negotiable there's a fill in a blank number as well in there that i believe is either 30 or 45 days but we have a certain amount of time regardless that's negotiated to get a commitment letter and a commitment letter then really is a i guess what's a commitment to lend to you by the by your financial institution and you know we've just we've heard it described by some mortgage bankers in the ind...