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[Music] uh hey guys good morning its angelo christian financial thank you so much for watching another great edition of real estate insider where america goes for funding for the last 20 years youre lending hub your resource for finance for commercial and residential lending caller texas at the number above the 832-431-6331 today were actually talking about what exactly is a conditional loan approval im going to explain to you and go through the steps in the process of what exactly is a loan commitment what exactly is the underwriters loan approval letter and i want to go through this because a lot of people they ask us hey angelo you know why does the loan process take so long what does the underwriter do whats the difference between a pre-approval or a loan commitment can you explain to us exactly what exactly is the loan commitment and conditional loan approval so in the youtube section in the description you can actually download a copy of what a loan approval letter looks l