A mortgage underwriter is the key decision-maker who reviews your finances, credit history and property details to decide if your home loan gets approved. Ultimately, underwriters are like the ...

Mortgage underwriters are the fact-checkers of the home loan approval process, ensuring that the financial picture you portrayed in your application and the documentation you provided are accurate.

Reina Marszalek is a senior mortgage editor at Fox Money who has spent more than 10 years writing and editing content. Fox Money is a personal finance hub featuring content generated by Credible ...

A lender might issue a conditional mortgage approval if there are some hurdles you still need to clear before you can get a mortgage. The conditions you need to meet before proceeding to full approval ...

Mortgage underwriting is often an automated process. Software decides whether you are approved, rejected or asked for additional information. Credit score is the most important factor in determining ...

Mortgage underwriting is the process a lender uses to determine whether to approve your mortgage application. During underwriting, a mortgage underwriter — who works for the lender — verifies and ...