Finances through a credit report, etc. to see how good
is the ability to pay. They obviously want the borrower to
be able to repay the loan and the interest rate in the
future without risk of financial problems. Then they look
at existing debts, income and other things to see if you
are a suitable candidate for a loan.
The risk is that the person who wrote the message does
not have a sufficiently good financial position for a loan.
Especially not as big a loan as USD 200,000. The
requirements for small loans or with lenders that only
lend a little less amount can be a little less stringent, but
for such large amounts these are usually stricter
requirements and more is also required of your
4550 California Ave, Bakersfield, CA 93309