Joel DyckReal Broker SK Ltd.
Saskatoon · From the topic map

Should I waive the financing condition to win a bidding war?

Waiving the financing condition to win a bidding war in Saskatoon is risky and should only be considered with a firm, underwritten mortgage approval already in hand and a lawyer's sign-off on the offer, since without that condition you are legally bound to close even if financing falls through at the last stage.

A financing condition protects you if the lender's final underwriting turns up something the pre-approval missed, such as a change in income, an appraisal that comes in low, or a problem with the specific property. A lawyer licensed through the Law Society of Saskatchewan can confirm exactly what waiving it exposes you to before you sign.

In a market where the Saskatchewan REALTORS Association reports 1.63 months of supply, some buyers waive conditions to compete, but a stronger and safer way to compete is often a clean offer with a firm closing date and no unnecessary requests, backed by a real pre-approval, rather than removing your own safety net.

A lawyer reviewing the offer before you sign is the standard way to understand exactly what you are giving up if you do choose to waive it.

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