{"id":5793,"date":"2026-01-15T03:17:46","date_gmt":"2026-01-15T11:17:46","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=5793"},"modified":"2026-01-15T22:53:42","modified_gmt":"2026-01-16T06:53:42","slug":"offer-accepted-heres-what-you-must-do-in-the-first-3-days-or-risk-losing-your-deposit-mortgage-guide-ep-1","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/5793\/","title":{"rendered":"Offer Accepted? Here\u2019s What You MUST Do in the First 3 Days (Or Risk Losing Your Deposit) [Mortgage Guide Ep. 1]"},"content":{"rendered":"\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n\n\n<!-- Pretendard \uc6f9\ud3f0\ud2b8 \ucd94\uac00 -->\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard\/dist\/web\/static\/pretendard.css\">\n<style>\n    body {\n        font-family: 'Pretendard', sans-serif;\n        margin: 0;\n        padding: 0;\n    }\n<\/style>\n\n<div style=\"\n    background-color:#F5FBF7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <h3 style=\"margin-top:0; margin-bottom:12px; font-size:18px;\">\n        \ud83d\udcdd <strong>Offer Accepted: 3-Line Summary<\/strong>\n    <\/h3>\n    <ul style=\"padding-left:20px; margin:0;\">\n        <li>Loaning.ai provides free Purchase Agreement review for all clients.<\/li>\n        <li>After your real estate contract is signed, you must wire your earnest money deposit (EMD) within 3 business days.<\/li>\n        <li>Prepare the documents needed for the Loan Application and manage your asset sourcing.<\/li>\n    <\/ul>\n<\/div>\n\n\n\n<p>Once your offer is accepted, you have a critical 72-hours golden window where certain tasks must be completed without delay.<\/p>\n\n\n\n<p>If you miss something during this period, your hard-won contract could fall apart, and in some cases, you may even lose your deposit. To help you navigate this safely, here is a step-by-step checklist of everything buyers must handle during this phase.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/blog.loaning.ai\/ko\/wp-content\/uploads\/2025\/12\/\uc544\ud2b8\ubcf4\ub4dc-1-\ubcf5\uc0ac-7.png\" alt=\"Offer Accepted\" class=\"wp-image-12824\" style=\"width:845px\"\/><\/figure>\n\n\n\n<br>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-reviewing-the-purchase-agreement-step-1\" style=\"font-size:24px\"><strong>1. Reviewing the Purchase Agreement (Step 1)<\/strong><\/h2>\n\n\n\n<p>Before or immediately after your offer is accepted, take one more careful look at your purchase agreement. A close review can save you thousands of dollars.<\/p>\n\n\n\n<p>Even a small clause in the agreement can eventually lead to<strong>over $5,000 in unexpected cost<\/strong>.<\/p>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>Q. Why is contract review so critical at this stage?<\/strong>\n    <br>\n    A U.S. real estate contract contains numerous clauses directly tied to actual costs. <br>\n    To ensure no unnecessary fees are imposed, Loaning.ai provides complimentary contract review upon request.\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-key-review-points\"><strong>\u2705 Key Review Points<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table loaningen-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Description<\/th><\/tr><\/thead><tbody><tr><td><strong>\u2713 EMD amount &amp; deadline<br><\/strong>Check whether the EMD amount and due date are <strong>reasonable compared to market standards<\/strong>, not overly burdensome.<\/td><\/tr><tr><td><strong>\u2713 Inspection \/ Loan \/ Appraisal contingency periods<\/strong> <br>Ensure the contingency timelines are realistic for your loan process.<\/td><\/tr><tr><td><strong>\u2713 Duplicate or unnecessary fees <\/strong><br>Look for any redundant or unjustifiable fees charged more than once.<\/td><\/tr><tr><td>\u2713<strong> Buyer vs. Seller fees<\/strong><br>Verify which party is responsible for <strong>specific cost items<\/strong>.<\/td><\/tr><tr><td><strong>\u2713 Termination clauses <\/strong><br>Check the conditions under which you can <strong>legally cancel the contract<\/strong> if needed.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"\n    background-color:#FFFBEA;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    \ud83d\udca1 In real cases, contract reviews have helped clients save thousands by removing unnecessary cost items or adjusting overly short contingency periods that posed approval risks.<br>\n    If you\u2019re unsure about your agreement, don\u2019t hesitate to request a contract review from Loaning.ai.\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"text-align:center; margin:24px 0;\">\n  <a href=\"https:\/\/loaning.ai?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=mortgage_information&#038;utm_content=loan_process_ep.1\"\n     style=\"\n        display:inline-block;\n        padding:22px 48px;\n        background-color:#2ECC71;\n        color:#FFFFFF;\n        font-size:18px;\n        font-weight:700;\n        border-radius:8px;\n        text-decoration:none;\n     \">\n   \ud83d\udc49 Request a free contract review with Loaning.ai\n  <\/a>\n<\/div>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-cyan-bluish-gray-color has-alpha-channel-opacity has-cyan-bluish-gray-background-color has-background\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-what-does-offer-accepted-mean\" style=\"font-size:24px\"><strong>2. What Does \u201cOffer Accepted\u201d Mean?<\/strong><\/h2>\n\n\n\n<p>Offer Accepted means both the seller and the buyer have signed the purchase agreement, agreeing to all terms of the transaction. From this moment, the agreement becomes legally binding, not just a proposal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-what-happens-during-the-offer-accepted-stage\"><strong>\u2705 What Happens During the Offer Accepted Stage<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Step<\/th><th>Description<\/th><\/tr><\/thead><tbody><tr><td>Contract Review<\/td><td>Confirm inspection periods, contingency terms, EMD amount, etc.<\/td><\/tr><tr><td>Contract Signing<\/td><td>Sign the finalized Purchase Agreement through your Realtor.<\/td><\/tr><tr><td>EMD Deposit<\/td><td>Send your Earnest Money Deposit to the Escrow company.<\/td><\/tr><tr><td>Contract Delivered<\/td><td>The Realtor sends the contract to your lender (Loaning.ai), and the mortgage process officially begins.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<br>\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-sending-your-emd-step-2\" style=\"font-size:24px\"><strong>3. Sending Your EMD (Step 2)<\/strong><\/h2>\n\n\n\n<p>The first thing you must do after Offer Accepted is to wire your earnest money deposit (EMD). The amount is typically 1\u20133% of the home price.<\/p>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>Q. What is EMD?<\/strong>\n    <br>\n    Similar to a \u201ccontract deposit\u201d in Korea, EMD shows the buyer\u2019s true intent to purchase the property. It typically falls between 1\u20133% of the purchase price and should be wired to the Escrow account. A contract is not considered fully effective until this money is deposited.  <br>\n<\/div>\n\n\n\n<div style=\"\n    background-color:#F7F7F7;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n    <strong>Q. Why is this important?<\/strong>\n    <br>\n    Because the contract\u2019s legal validity begins only <strong>after the EMD is received<\/strong>.\n\nUnder the California Association of Realtors (CAR) forms, the EMD must be deposited <strong>within 3 business days<\/strong> after contract signing.<br>\n    \n<\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-4-safety-rules-for-secure-emd-wiring\"><strong>\u2705 4 Safety Rules for Secure EMD Wiring<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Action Item<\/th><th>Description<\/th><\/tr><\/thead><tbody><tr><td>Visit Bank &amp; Request Wire Transfer<\/td><td>\u2713 For large transactions, avoid mobile apps. Visit your bank branch and request a <strong>wire transfer<\/strong> for maximum security.<br><\/td><\/tr><tr><td>Security Warning (Wire Fraud)<\/td><td>\u2713 Fraudsters frequently impersonate escrow officers to send fake \u201cupdated account\u201d emails.<br>\u2713 <strong>Never trust wire instructions received only via email.<\/strong><\/td><\/tr><tr><td>Double-Check by Phone<\/td><td><br>\u2713 Before sending, <strong>call the escrow officer directly<\/strong> and verbally confirm the account number and beneficiary.<\/td><\/tr><tr><td>Save Wire Receipt<\/td><td>\u2713 Save the receipt as a photo or PDF and immediately share it with both your Realtor and your lender\/<strong><a href=\"https:\/\/loaning.ai?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.1\" target=\"_blank\" rel=\"noreferrer noopener\">Loaning.ai<\/a> <\/strong>specialist.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<br>\n\n\n\n<br>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-managing-fund-sourcing-step-3\" style=\"font-size:24px\"><strong>4. Managing Fund Sourcing (Step 3)<\/strong><\/h2>\n\n\n\n<p>Another crucial responsibility at this stage is preparing your <strong>bank statements<\/strong> and ensuring proper <strong>fund sourcing<\/strong>.<\/p>\n\n\n\n<p>Under U.S. mortgage underwriting and <strong>anti-money laundering (AML)<\/strong> rules, lenders must verify the source of any <strong>large deposits<\/strong> that appear in your account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-nbsp-fund-sourcing-checklist\">\u2705&nbsp;<strong>Fund Sourcing Checklist<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Action Item<\/th><th>Details<\/th><\/tr><\/thead><tbody><tr><td>\u2713 Prepare last 2 months of bank statements<\/td><td>\u2022 Identify which accounts will be used for down payment, EMD, and closing costs. <br>\u2022 If your funds are spread across multiple accounts, plan when and how you will consolidate them.<\/td><\/tr><tr><td>\u2713 Check for large deposits<\/td><td>\u2022 If there are deposits beyond regular payroll, prepare documentation or explanations. \u2022 Avoid unclear cash deposits.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"\n    background-color:#FFFBEA;\n    border-radius:16px;\n    padding:18px 22px;\n    margin:16px 0;\n    font-size:16px;\n    line-height:1.7;\n    color:#333333;\n\">\n  \ud83d\udca1 By managing your bank statements and financial activity carefully after offer accepted, you can significantly reduce delays during the underwriting stage.\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-quick-checklist\" style=\"font-size:24px\"><strong>\ud83d\udcdd Quick Checklist<\/strong><\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1394\" height=\"902\" src=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Offer_Accepted.png\" alt=\"Offer Accepted\" class=\"wp-image-5799\" style=\"width:845px\" srcset=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Offer_Accepted.png 1394w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Offer_Accepted-300x194.png 300w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Offer_Accepted-1024x663.png 1024w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Offer_Accepted-768x497.png 768w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Offer_Accepted-750x485.png 750w, https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/Offer_Accepted-1140x738.png 1140w\" sizes=\"auto, (max-width: 1394px) 100vw, 1394px\" \/><figcaption class=\"wp-element-caption\">Offer Accepted<\/figcaption><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table loaningen-table is-wide-right\"><table><thead><tr><th>Checklist<\/th><th>Details<\/th><\/tr><\/thead><tbody><tr><td><strong>Contract Signing &amp; Review<\/strong><\/td><td>\u2022 Before and after Offer Accepted, did you review and understand the key contract terms (price, contingencies, cost allocation) before signing? <br>\u2022 If needed, did you request Loaning.ai\u2019s contract review service to ensure there are no unfavorable clauses?<\/td><\/tr><tr><td>EMD Transfer<\/td><td>\u2022 Have you planned to wire the EMD to escrow within 3 business days after the contract is executed? <br>\u2022 Before sending the wire, did you call the escrow officer directly to confirm the account details?<\/td><\/tr><tr><td>Fund Sourcing<\/td><td>\u2022 Have you prepared your bank statements for the past 2 months? <br>\u2022 If there are any large deposits, did you prepare supporting documents or a letter of explanation (LOE) to verify the source?<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=mortgage_information&amp;utm_content=loan_process_ep.1\" style=\"background-color:#49cf7e\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><strong>Offer accepted? Get started with Loaning.ai<\/strong><\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Offer Accepted: 3-Line Summary Loaning.ai provides free Purchase Agreement review for all clients. After your real estate contract is signed, you must wire your earnest money deposit (EMD) within 3 business days. Prepare the documents needed for the Loan Application and manage your asset sourcing. Once your offer is accepted, you have a critical [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":5833,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[438],"tags":[],"class_list":["post-5793","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.6 (Yoast SEO v24.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Offer Accepted? Here\u2019s What You MUST Do in the First 3 Days (Or Risk Losing Your Deposit) [Mortgage Guide Ep. 1] - Loaning.AI Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.loaning.ai\/en\/5793\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Offer Accepted? Here\u2019s What You MUST Do in the First 3 Days (Or Risk Losing Your Deposit) [Mortgage Guide Ep. 1]\" \/>\n<meta property=\"og:description\" content=\"\ud83d\udcdd Offer Accepted: 3-Line Summary Loaning.ai provides free Purchase Agreement review for all clients. After your real estate contract is signed, you must wire your earnest money deposit (EMD) within 3 business days. Prepare the documents needed for the Loan Application and manage your asset sourcing. Once your offer is accepted, you have a critical [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/en\/5793\/\" \/>\n<meta property=\"og:site_name\" content=\"Loaning.AI Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-15T11:17:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-16T06:53:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/01\/1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"914\" \/>\n\t<meta property=\"og:image:height\" content=\"601\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Youngseo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"Youngseo\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"6\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/5793\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/5793\/\"},\"author\":{\"name\":\"Youngseo\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/f12a0a52ed9d610f8b9f6960024fb160\"},\"headline\":\"Offer Accepted? 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