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Forgive me if this is the dumbest question ever but I’m a complete babe in the woods…In making an offer on a co-op apartment, I wanted to make the offer subject to securing financing. I’m preapproved and have the requisite downpayment so I don’t expect any difficulties but I don’t want to lose any deposit should I not receive financing. The Prudential Elliman realtor insists that an offer contingent on financing is not standard and is not acceptable. Is she right?