When the Bank agrees to make the loan if certain conditions are met and a third party, such as a Seller of real estate, wants confirmation of the Purchaser’s ability to complete the purchase a written loan commitment may be appropriate. A sample Mortgage Loan Commitment is located at the end of this Chapter. Because real estate loan commitments can be viewed as contingent liabilities affecting capital requirements, they are used less frequently in commercial real estate lending. When used, they are typically drafted by the Bank or its attorney.