For those who have played in the real estate game, the term earnest money deposit may be old hat. However, for those new to buying a home, the phrase may be completely foreign.  Andy Asbury provides the details in his article to bring one up to speed the factors of the EM.  Can one loose their earnest monies? Under what circumstance? View the article in full at:  http://www.realestatearticledirectory.com/articles/home-buying/article1004.html