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hi everybody dana sparks broker of maximum on greater atlanta realtors and todays contract tip has to do with the question may a buyer change loans after they go binding with a seller and that is a very interesting question we are going to explore that so first of all lets talk about the guard the georgia association of realtors contract and lets see what that says for those of you who have been in my classes you have heard me say repeatedly that your contracts are a set of instructions so the first place to go find an answer to any question you have would be lets see what the contract states so if a buyer and a seller are binding under the georgia association of realtors contracts lets take a look at what that says and in the gar contract it it says um well were going to look at the loan contingency so before we even do this lets think about it a little bit there are conventional loans and then there are government insured loans so if theres a government insured loan well i wa