Locking a Deal before HML is APPROVED

I’m new at this and I’m trying to understand a few things.
When the time comes to lock the price with the seller, How do you do this in a way that incase my HML is not approved I will be in the clear from any legal issues?

I plan on picking up property with an 65% ARV to get the loan to cover all closing costs. How would I do this.

Please Help. :help

If you’re looking at putting something under contract before you are approved for the loan, just put in a standard financing contingency. Obviously your offer will look stronger to the seller if you can show pre-approval for financing when making your offer.