What is an underwriter looking for?

An underwriter verifies the four C's: capacity (income and DTI), credit (history and score), capital (down payment and reserves), and collateral (the appraisal and title). They confirm you can repay and the home secures the loan.

They also check that funds are sourced and the file follows the program's rules. We package your file so the underwriter finds clear answers to each of these.

Related Process & Closing Questions