An underwriter checks your credit, income, assets and the property against the loan program’s rules. The answer is usually an approval with conditions: a list of documents or explanations still needed before closing.
Why it matters
It is the step where most delays happen. Answering conditions quickly and completely, and keeping your finances unchanged, keeps it moving.
Where you meet it
After your application and appraisal. A loan processor prepares the file for the underwriter and works through the conditions with you until the loan is clear to close.
Questions about your loan?
A free 15 minute call with Laurie. No credit check, no obligation.