Is a mortgage contingency worth keeping in a competitive Daniel Island market?

Keeping a mortgage contingency is worth it on Daniel Island when a buyer's financing is not fully locked in, since it lets them exit the contract without losing earnest money if the loan falls through. Waiving it can strengthen an offer in a competitive Daniel Island bidding situation, but it shifts real financial risk onto the buyer if underwriting hits a snag. Brian Beatty reviews a buyer's loan approval strength before recommending whether waiving the contingency makes sense.