Final answer:
The Commitment stage of the mortgage application process includes a letter from the lender agreeing to make the loan subject to specific conditions.
Step-by-step explanation:
The stage of the mortgage application process that includes a letter from the lender agreeing to make the loan subject to specific conditions is the Commitment stage. In this stage, the lender reviews the borrower's application, credit history, and appraisal of the property. Once the lender is satisfied with these factors, they issue a commitment letter outlining the terms and conditions of the loan.