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Loan Application Disclaimer: Submitting an application or receiving a pre-approval letter or term sheet from LOX Funding does not constitute a loan commitment. Final commitment is contingent upon a full review of the property (including a satisfactory appraisal), borrower's complete financial and legal documentation, and internal credit approval. Borrower is responsible for any third-party costs (such as appraisal or inspection fees) incurred during due diligence, which are typically non-refundable regardless of whether the loan closes.