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hi this is Arvin Talley with Elixir mortgage lending Nationwide if you are looking to make a purchase or youre looking to get under contract with a seller a motivated seller um if youre trying to work with them the best way is to get a quick close and a quick close a lot of times you can use our Bridge programs and the bridge program you cannot live there its for a non-owner occupied but if its something that is worthwhile and just to transition until you could get financing arranged properly we can close very quickly if theres a recent appraisal report in California or a lot of places in California we can even do it without an appraisal within days Nationwide if we do have to get an appraisal within a couple of weeks we can close so if you are trying to write a more aggressive offer and get the seller on board thats a a little bit easier way with a low documentation type loan which is a bridge loan its just maybe a transitional loan but something that gets the acquisition done