How Underwriting Works
- Automated Underwriting (AUS): Most files run through Fannie Mae’s Desktop Underwriter (DU) or Freddie Mac’s Loan Product Advisor (LPA). An Approve/Eligible means strong confidence.
- Manual Underwriting: If AUS returns a Refer, a human underwriter reviews with more documentation required.
- Conditions: Nearly every approval has conditions — additional documents before clear to close. We manage these proactively and respond fast.
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