The Final Hurdle


Once you have found a house you like, made an offer, and been pre-approved for a mortgage by your loan officer you might think you are home free.


STOP, you still have an important hurdle to clear.

You now must get through the loan underwriting process. This can be frustrating and cause you to feel anxious because you have agreed to close on a certain contract date.


 Underwriters are like detectives. It’s their job to make sure you have represented yourself and your finances truthfully, and that you haven’t made any false or misleading claims on your loan application.


Here are 4 main things an underwriter looks at:


The stability of your income as it relates to paying off debt

More debt or lack of a sufficient income can increase your perceived risk.

Your credit history

Your credit report gathers past and present debt from the three major  

credit bureaus: Experian, Equifax, and Transunion   

Assets needed for the loan closing  

What sources did the money come from and will you have money left over after

you close?  

The home appraisal 

The value of your prospective home must fit the size of the loan you are seeking .   


Because you want to cross the finish line of the loan process with minimal if any questions and requests for additional paperwork

please add me to your team!


I can help you to make sure your paperwork is complete. I will help you cross every “T” and dot every “I” and NAVIGATE THE HOME LOAN PROCESS WITH CONFIDENCE.





I want to be your guide and a valuable resource to you!! If you or someone you know is thinking about buying or building a home please have them contact me.   


Judy Ingels

(719) 229-7999