{"id":2311,"date":"2022-06-29T10:00:00","date_gmt":"2022-06-29T14:00:00","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=2311"},"modified":"2024-04-25T23:18:43","modified_gmt":"2024-04-26T03:18:43","slug":"why-is-my-underwriting-taking-so-long","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/why-is-my-underwriting-taking-so-long\/","title":{"rendered":"Why Is My Underwriting Taking So Long?"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

Behind the Scenes in a Mortgage Approval\u2026<\/p>\n\n\n\n

What\u2019s the holdup? You\u2019ve found that house you want and the seller was ready for you to move in \u2014 yesterday. But your final approval still isn\u2019t here. Could the mortgage fall through<\/a>?<\/p>\n\n\n\n

These are the things that run through the buyer\u2019s mind in the days leading up to closing.<\/p>\n\n\n\n

The underwriting process can feel like forever. Through it, the lender vets your financial profile and the property\u2019s condition. You don\u2019t get direct communication from the underwriter. What is happening behind the scenes?<\/p>\n\n\n\n

Let\u2019s look over the lender\u2019s shoulder and see what\u2019s going on throughout the timeline.<\/p>\n\n\n\n\n\n\n\n

Week One<\/h2>\n\n\n\n

As you complete your application, your mortgage specialist tells you the lender will take a month to finish the underwriting. Your mortgage consultant\u2014or the loan officer if you\u2019re working with a bank \u2014 keeps you posted on the underwriter\u2019s questions. The underwriter, by law, is unable to talk to you directly or have personal contact of any kind. This is to ensure the neutrality of the process. But for the customer, the inability to pick up the phone and explain something straight to the person who\u2019s asking for the information can feel like a torment at times.<\/p>\n\n\n\n

By the end of the first week of your work with the mortgage consultant, a lot of paperwork will be gathered. There are the disclosure forms you\u2019ve signed and given to your mortgage consultant, your tax forms, proof of income, account statements, and credit documentation.<\/p>\n\n\n\n

By the week\u2019s end, your consultant should be ready to put in an order for the home appraisal, and submit your file to the loan underwriter. <\/p>\n\n\n\n

Weeks Two and Three<\/h2>\n\n\n\n
\"\"<\/figure>\n\n\n\n

The second and third week of the process are critical. You send in your earnest money. The lender waits for your payment to clear.<\/p>\n\n\n\n

It takes a couple of weeks to get the appraisal report. This report is major \u2014 it tells the lender what your future home (that\u2019s the lender\u2019s collateral) is really worth.<\/p>\n\n\n\n

As you await the appraisal, expect to answer the underwriter\u2019s requests, conveyed through your mortgage consultant, for missing documentation.<\/p>\n\n\n\n

Your assets will come under scrutiny. How much do you have in reserve \u2014 as backup funding to pay the mortgage in the months ahead? The underwriter might ask, and ask again, for your recent bank account statements.<\/p>\n\n\n\n

\u261b <\/em>Learn more about: Mortgage Reserves: What Assets Does a Home Buyer Need<\/em><\/strong><\/a>?<\/em><\/strong><\/p>\n\n\n\n

The underwriter will reject whatever is not submitted in the acceptable format. Web screenshots, for example, may be a problem. The underwriter may point out that it\u2019s easy for websites to be faked. You might need to find ways, then, to duplicate the information you\u2019ve sent in.<\/p>\n\n\n\n

By the end of the second week, if everything is going absolutely hitch-free, the first phase of the underwriting is done. You wind up with a list of conditions \u2014 hoops you\u2019ll need to clear before the loan approval can be made final.<\/p>\n\n\n\n

Week Four<\/h2>\n\n\n\n

By now, the appraisal report should be on the underwriter\u2019s desk, and your earnest money safely in escrow. The lender will have to confirm your income and employment information with your employer\u2019s main office. And it will need to have your future home\u2019s title searched and insured. You should receive a date for closing. Will the date hold?<\/p>\n\n\n\n

Something could come up during the title search. There could be a legal action pending against a homeowner\u2019s association or some similar surprise. At this point, you\u2019re ready to be done with the process. But an appraisal or title search surprise is not uncommon. People\u2019s credit scores can change. People also make mistakes, by making a big purchase or applying for a new credit card deal without thinking through the underwriting consequences.<\/p>\n\n\n\n

The underwriter is still asking for recent pay stubs, your mortgage consultant tells you. Again?<\/em><\/p>\n\n\n\n

It\u2019s easy to become frustrated, but it\u2019s important to roll with the questions.<\/p>\n\n\n\n

\u261b <\/em>Ready to plan in advance for a smooth application process? Here are some tips on <\/em><\/strong>How to Work With a Lender and Win<\/em><\/strong><\/a>.<\/em><\/strong><\/p>\n\n\n\n

The underwriter is determining whether your past financial habits and patterns will likely persist years into the future. The sooner enough persuasive information has reached the underwriter, the sooner that final approval will happen.<\/p>\n\n\n\n

Why It Could Go Longer<\/h2>\n\n\n\n

Some loans take a few extra weeks to get approved. What could stretch out the process?<\/p>\n\n\n\n

The appraiser\u2019s report can be slow to come in. It could value the home at less than what you bid on it. When this happens, the parties might have to renegotiate the home\u2019s price to keep the deal from falling apart.<\/p>\n\n\n\n

Or the title report could be the holdup. There could be a cloud that the seller needs to clear.<\/p>\n\n\n\n

Perhaps your company has just pared your work schedule or moved you into a new post. Maybe the underwriter is asking where unexpected account deposits came from. (If you plan to deposit funds that someone has given to you<\/a> during the home purchase, there is a formal procedure you need to go through.)<\/p>\n\n\n\n

You might be negotiating with the seller\u2019s agent for concessions or delays. You might be deciding how issues with the inspection will be resolved. The lender could back out because an unforeseen risk comes to light. The loan might need to change. Switching from a conventional mortgage loan<\/a> to a government-backed loan (such as an FHA or a VA loan<\/a>) might have to happen.<\/p>\n\n\n\n

Moreover, underwriters \u2014 like professionals in most corporate offices \u2014 can get overloaded. Some buyers have W-2s, straighforward tax returns, and years of history at the same job. The underwriter might fly through those applications. But how many are that simple? Borrowers have unique needs, goals, credit profiles, and work situations. And these could have changed during the pandemic. Some buyers have changed jobs or started their own businesses.<\/p>\n\n\n\n

\u261b<\/em>For the Self-Employed Home Buyer, Is Getting a Loan About \u201cWho You Know\u201d?<\/em><\/strong><\/a><\/em><\/strong><\/p>\n\n\n\n

Any nonstandard aspect of an application takes time for a busy underwriter to try to resolve. Then that person\u2019s file gets moved aside while attention is turned to someone else submitting their documents.<\/p>\n\n\n\n

Self-Help<\/h2>\n\n\n\n

By law, your lender is not allowed to let buyers bite off more debt than they can chew. Take the initiative by offering written explanations for financial issues or disruptions. If you\u2019ve had some credit issues, but can show past setbacks won\u2019t likely happen again, there could be no problem. If you\u2019ve changed jobs but can prove a continuous link to the same type of work all along, things might be just fine. Advocate for yourself and your ability to repay the loan you need.<\/p>\n\n\n\n

According to USBank: \u201cEach situation is different, but underwriting can take anywhere from a few days to several weeks.\u201d For underwriting to take \u201ca few days\u201d is certainly not the norm. Underwriting takes time for the lender, and patience for the applicant. But by the time it\u2019s done, many homeowners have gained substantial respect for the professionals who made it happen.<\/p>\n\n\n\n

Supporting References<\/strong><\/p>\n\n\n\n

Hanna Keilar for RocketMortgage.com<\/em>: What Is Underwriting? Understanding the Underwriting Process<\/a> (Jun. 3, 2022).<\/p>\n\n\n\n

USBank.com<\/em>: Your Guide to the Mortgage Underwriting Process<\/a>.<\/p>\n\n\n\n

And as linked. Photo credits: J\u00e9shoots<\/a> and KoolShooters<\/a>, via Pexels.<\/p>\n","protected":false},"excerpt":{"rendered":"

Behind the Scenes in a Mortgage Approval\u2026 What\u2019s the holdup? You\u2019ve found that house you want and the seller was ready for you to move in \u2014 yesterday. But your final approval still isn\u2019t here. Could the mortgage fall through? These are the things that run through the buyer\u2019s mind in the days leading up […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[71],"tags":[],"class_list":["post-2311","post","type-post","status-publish","format-standard","hentry","category-general"],"yoast_head":"\nWhy Is My Underwriting Taking So Long? - Deeds.com<\/title>\n<meta name=\"description\" content=\"The underwriting process can feel like forever. Through it, the lender vets your financial profile and the property\u2019s condition. 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