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Welcome to another episode of real-estate talk I'm gon tee a realtor with Better Homes and Gardens Gary green specializing in the spring Texas real estate market so today's question is when can you terminate your contract and still get your earnest money back well in our contract there's actually three offer main opportunities where you can still terminate the contract and get your earnest money back now the one is during that the option period during the option period is when you have the unrestricted right to terminate the contract you do not need a reason to read the contract it's an unrestricted right to terminate the contract you turn rate during this during this time period and each earnest money back another one is is if the property does not meet the lenders underwriting requirements now the main thing that we see there as far as a property not meeting the lenders underwriters requirements is associated with the appraisal so if the appraisal does not meet the green upon sales price or higher FHA VA and if you use the addendum for conventional you would have the right to terminate the contract and get your earnest money back the third way is is is that if you're unable to secure the loan within a defined time frame and you inform the seller that you're unable to secure financing now if that goes past that time frame that's defining the contract and then you can form the seller then no you risk your earnest money so three main time frames that you can terminate a contract and still protect your earnest money is one during the option period to during the time frame that you're securing financing and three if the property that does not meet the lenders underwriting requirements so there you have it another episode of real estate talk if you get any questions please text me or call me at 281 804 eight six two six I would love to connect with you on Instagram YouTube Facebook I'm all under discover spring Texas so until next time thanks for tuning in.