Hope this helps,
Generally, sellers don't want to waste their time waiting on a property that and/or an agreement that stands little chance of reaching a successful closing.
Your real estate professional should be able to guide you through this. Their knowledge of the purchase agreement should prove invaluable.
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Financing Kentucky One Home at a Time
I answer questions about financing real estate based on my decades of experience dealing with mortgage underwriters. I do not offer legal or tax advice, if you need answers from an attorney or CPA find one knowledgeable in your local market.