That's a good note that I'll commit to memory. 

But their is no formal written commitment, it's only verbal.

This a bit tricky but some of the banks will allow you to lock the rate and at the same time you are not committed to the close with them so you have your best term loan and a backup bank incase the first one does not fund your loan at the last minute.

In my opinion, how you pay down your debt is a personal decision that you and your wife must agree on and commit to in order to have success.

By the way I don't really have a closing attorney yet, I mean I know of one but I am not committed to anyone yet.

But I will commit to this business model and see the results for myself.

And so this is how we started.Honestly my mistake was to try to GC this all myself, but I was already committed by then, so I had to keep going with it. 

Simply tell them, it's you Karen, committing to them, and vice-versa.

This will be proven by the title insurance commitment, which states that you are the B Seller and they are the C Buyer.

If you show commitment, resolve and stay true to your word,  a great agent will bring you positive opportunities.