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hey guys Mark Stewart Berkshire Hathaway HomeServices California properties in free San Diego search calm and welcome to another episode of San Diego real estate University and today were going to talk about something thats really important in a purchase and sale contract and its contingencies contingencies need to be understood by both buyer and seller because they are very accountable timeframes that help a transaction move along in an orderly fashion so any purchase contract buyers have generally three contingencies the first one is your loan contingency now generally speaking youre going to be pre-approved for that loan but that doesnt necessarily mean that the loan is going to improve for that project Minh the case of an HOA maybe the reserves are in very bad shape or theres litigation and the HOA that we didnt know about or the condo complex has too many concentrations of a single owner or any other reason why a bank might not lend on that project well you may be pre-appro