{"id":695,"date":"2020-06-03T11:20:11","date_gmt":"2020-06-03T11:20:11","guid":{"rendered":"https:\/\/youbankingbud.com\/?p=695"},"modified":"2020-06-03T11:39:36","modified_gmt":"2020-06-03T11:39:36","slug":"do-you-know-these-facts-about-loan-underwriting","status":"publish","type":"post","link":"https:\/\/youbankingbud.com\/do-you-know-these-facts-about-loan-underwriting\/","title":{"rendered":"Do You Know These Facts About Loan Underwriting?\u00a0"},"content":{"rendered":"<p><span style=\"font-weight: 400; font-size: 14pt;\">Do you know who can fulfill your dreams to become a homeowner? The answer to this question is \u201ca Mortgage loan underwriter\u201d. Now, for those who don\u2019t know anything about loan underwriting, it is actually a process that assesses an individual\u2019s creditworthiness as well as the capacity to repay a mortgage.\u00a0<\/span><\/p><div class=\"1a33687c695c4f90b5d2f96f806e29e9\" data-index=\"2\" style=\"float: none; margin:0px 0 0px 0; text-align:center;\">\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<!-- JA- OTF -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-0549881201719603\"\r\n     data-ad-slot=\"5217825363\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\n<\/div>\n\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-696 \" src=\"https:\/\/youbankingbud.com\/wp-content\/uploads\/2020\/06\/loan-underwriting.jpg\" alt=\"loan underwriting\" width=\"857\" height=\"411\" srcset=\"https:\/\/youbankingbud.com\/wp-content\/uploads\/2020\/06\/loan-underwriting.jpg 614w, https:\/\/youbankingbud.com\/wp-content\/uploads\/2020\/06\/loan-underwriting-300x144.jpg 300w\" sizes=\"(max-width: 857px) 100vw, 857px\" \/><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">While a mortgage underwriter doesn\u2019t make you juggle with several approval criteria, it is always suggested to present them the more information one can provide to portray the creditworthy.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>Keep reading to know everything about loan writing!<\/b><\/span><\/p>\n<h2><span style=\"font-size: 18pt;\"><b><span style=\"text-decoration: underline;\">What Is Loan Underwriting<\/span>?\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">People who are planning to apply for a mortgage or purchasing a home soon, it is obvious that they may be confused about loan underwriting.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">In simpler words, underwriting is a simple process used by mortgage lenders to examine a person\u2019s credit as well as financial information and the state of the home he or she is hoping to purchase.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">Typically, this process is carried out to examine whether the person qualifies for the loan he or she is applying for. To make it more clear to you, a loan underwriter will look at 3 major factors that are credit, capacity, and collateral. It is also often termed as three C&#8217;s.\u00a0<\/span><\/p>\n<ul>\n<li>\n<h4><b>Credit<\/b><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">Your credit history is a vital factor while applying for a loan. It is the first and foremost thing any lender considers while approving a loan because it signifies how you have managed your credit in the past. Furthermore, an underwriter will also equally consider your credit report and search for negative information.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">For instance, if a person has been declared bankrupt, or experienced a foreclosure, or is delinquent on mortgage\/loans\/credit card, then he or she is clearly a risky borrower.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">Maintaining a good credit history eventually reap ample benefits to a person, particularly at borrowing times. As it does not just improve a person\u2019s chances of getting a loan approved but also helps him or her to qualify for more favorable terms including a low-interest rate as well as down payment requirement.<\/span><\/p>\n<ul>\n<li>\n<h4><b>Capacity<\/b><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">Just having a good credit score can\u2019t help a person to get his or her loan approved. With that being said, underwriters analyze various other areas as well. They also check an individual\u2019s ability to make his or her monthly payments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">When talking about capacity, both your income as well as other debt payments are primary.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">An underwriter not only looks at where you stand at the present time but also what is your capacity to meet all the additional debts. It is their primary duty to consider what happens after a borrower closes and has a mortgage payment to be maintained.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">A very effective and easy method to check and examine your financial capacity is by calculating your debt-to-income ratio. You can do it by yourself very easily! Your debt-to-income ratio is the sum total of your monthly debt payments divided by your gross monthly income.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">To help you a bit, we will tell you a good rule of thumb. Your monthly housing payment should be never more than 28 percent of your gross income as well as your total debt-to-income ratio should be 36 percent or less.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">However, a person can also acquire a conventional loan with a debt-to-income ratio of up to 50 percent.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">In addition to the aforementioned factors, underwriters also consider various other aspects, including how many people are on the loan, how much cash a person will have in reserve after he or she has made the down payment &amp; paid closing expenses, and whether a person\u2019s income is monthly salary or he or she is self-employment.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><span style=\"font-weight: 400;\">Read More: <\/span><span style=\"color: #008000;\"><a style=\"color: #008000;\" href=\"https:\/\/youbankingbud.com\/these-are-the-best-home-improvement-loans-for-2020\/\" rel=\"bookmark\">Best Home Improvement Loans for 2020<\/a><\/span><\/span><\/p>\n<h2><span style=\"text-decoration: underline;\"><span style=\"font-size: 18pt;\"><b>How Can A Person Present His\/Her Best-Self To Underwriters<\/b><\/span><\/span><span style=\"font-size: 18pt;\"><b>?\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">It is not necessary you may have a chance to speak to a loan underwriter over the phone or one-on-one. Hence, consider the following points to make a satisfactory impression in front of your underwriter.\u00a0<\/span><\/p>\n<h4><b>Consider Everything-\u00a0<\/b><\/h4>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">Technological advances allow us to apply for a loan in just a few clicks today. But make sure that you are not rushing.<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">First things first, you should consider your net income. Plus, take enough time and make a list of all your assets and liabilities as well. This way, you won\u2019t regret your decision afterward.<\/span><\/p>\n<h4><b>Be Honest-<\/b><\/h4>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">Most people with bad credit history or capacity end up fudging the actual numbers to give their chances a boost. Don\u2019t be one of them!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 14pt;\">If your underwriter finds that you were not completely honest, then it can result in an instant denial of your loan. In addition to this, it also leads to a fine or prison sentence.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b><i>That is it! We hope you got a clear picture of loan underwriting and underwriters. So, now you can apply for a loan or purchase a house with zero doubts in your mind!<\/i><\/b><\/span><\/p>\n\n<div style=\"font-size: 0px; height: 0px; line-height: 0px; margin: 0; padding: 0; clear: both;\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Do you know who can fulfill your dreams to become a homeowner? The answer to this question is \u201ca Mortgage loan underwriter\u201d. Now, for those who don\u2019t know anything about loan underwriting, it is actually a process that assesses an individual\u2019s creditworthiness as well as the capacity to repay a mortgage.\u00a0 While a mortgage underwriter &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/youbankingbud.com\/do-you-know-these-facts-about-loan-underwriting\/\"> <span class=\"screen-reader-text\">Do You Know These Facts About Loan Underwriting?\u00a0<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":6,"featured_media":696,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[136,140,139,138,137],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Loan Underwriting? 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The answer to this question is \u201ca Mortgage loan underwriter\u201d. Now, for those who don\u2019t know anything about loan underwriting, it is actually a process that assesses an individual\u2019s creditworthiness as well as the capacity to repay a mortgage.\u00a0 While a mortgage underwriter&hellip;","_links":{"self":[{"href":"https:\/\/youbankingbud.com\/wp-json\/wp\/v2\/posts\/695"}],"collection":[{"href":"https:\/\/youbankingbud.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/youbankingbud.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/youbankingbud.com\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/youbankingbud.com\/wp-json\/wp\/v2\/comments?post=695"}],"version-history":[{"count":0,"href":"https:\/\/youbankingbud.com\/wp-json\/wp\/v2\/posts\/695\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/youbankingbud.com\/wp-json\/wp\/v2\/media\/696"}],"wp:attachment":[{"href":"https:\/\/youbankingbud.com\/wp-json\/wp\/v2\/media?parent=695"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/youbankingbud.com\/wp-json\/wp\/v2\/categories?post=695"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/youbankingbud.com\/wp-json\/wp\/v2\/tags?post=695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}