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Commitment. How much does the borrower have at risk of his own money? 
Always insist the borrower has some of their own money at risk. The less money they have at risk, the easier it will be for the buyer to walk away from the house.
Ask for a copy of the bank statement of the borrower showing where the check for the binder or earnest money was drawn. You can send the bank a signed Verification of Deposit (VOD). Download a VOD from our site.

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