Process & Closing
Can I switch lenders during underwriting?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes, you can switch lenders any time before closing, though it can delay your closing because the new lender restarts the appraisal, disclosures, and underwriting. Watch your contract's financing and closing deadlines.
People switch over rate, fees, or poor service. If you're unhappy mid-process, we'll review your Loan Estimate and tell you honestly whether switching saves enough to justify the delay.
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