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I can share with you that a lot of borrowers get very nervous and donamp;#39;t want to go through those next steps because in order to get a loan commitment we have to get certain initial loan disclosures signed by you and then all of your information to send to a licensed underwriter for them to review and approve the loan commitment and type in there what is still needed to finish up on the loan we would love to do this on every single client but much of the time time isnamp;#39;t of the essence or we donamp;#39;t have enough time to go through a loan commitment because it might take anywhere from 3 to seven business days depending on how organized the client is and what information we might need uh to suffice to start the underwriting process to happen