Banking services in this part of the world to those with meagre knowledge of the nature of Banking is considered absurd owing to not too informed verdict about financial services in general.Nevertheless access to banking services is a life transforming affair for seasoned economic agents.In this essay the blogger ibikunle laniyan examines in the process of finance and critical access to credit facility,Loan documentation invariably makes a difference and to understanding various documents used in the credit negotiation could go a long way in getting finance to the borrowers alike.We explore various documents banks require to make loans accessible to clients below.It appeals to several types of facility especially to the mortgage facility.Enjoy the reading.Offer letter readily comes when borrowerseagerly initiate loan process.A document that specifies loan terms and conditions,subject to interested borrowers examination.If agreeable to stipulated terms signs the letter often adjudged binding to both parties.