Contracts

In Louisiana, a purchase agreement that is 'contingent upon buyer obtaining financing at a stated rate' becomes binding on the seller when:

AThe buyer begins the loan application process
BThe buyer obtains a firm loan commitment meeting the contract's financing specifications✓ Correct
CThe buyer makes the first mortgage payment
DThe appraisal meets the purchase price

Explanation

A financing contingency suspends the contract until the buyer obtains financing meeting the stated terms. When the buyer receives a firm loan commitment meeting those specifications, the contingency is satisfied and the contract becomes fully binding.

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