The mortgage underwriter is the gatekeeper. They’re the person whose job it is to calibrate risk and make sure they’re making lending decisions based on the underwriting guidelines for the particular loan program that you’re going for. This means that you can expect the mortgage underwriter to reach out several times throughout the loan process, depending on how complicated and sophisticated your financial picture is, to make sure that we’ve gathered all the information we need so that they can cross the T’s, dot the I’s, and make absolutely certain that your loan is going to qualify.
Now, most companies don’t introduce you and your loan file to the mortgage underwriter until the fourth quarter of the transaction, until the very end about the time that you’re packing up the U-Haul truck and getting ready to move. At NEO Home Loans, we strongly encourage our clients to go through our pre-underwriting process, where we gather all of the necessary documents, get it in front of a mortgage underwriter to pre-flight that approval, and make sure we’re not going to run into any last minute surprises.
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NEO Home Loans is a division of Celebrity Home Loans, LLC | NMLS# 227765 | Equal Housing Lender | nmlsconsumeraccess.org
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