CHECK OUT THIS PRICE! GET A FREE Appraisal & Credit Report if the buyer finances and closes the purchase through Countrywide Home Loans Retail. The above pre-approval requirement will be waived only if the prospective purchaser does not want a loan contingency. LSR MUST COME FROM COUNTRYWIDE RETAIL. If the buyer decides not to be pre-approved by lender,there will be no loan contingency in the purchase contract and the earnest money deposit becomes non-refundable upon the expiration of the inspection period.