Question

What does underwriting include in the general lending process

Answer 1

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• Underwriting is the mortgage lender's process of assessing the risk of lending money to you. ... The underwriter verifies your identification, checks your credit history, and assesses your financial situation — including your income, cash reserves, equity investment, financial assets and other risk factors.

Answer 2

Underwriting is the mortgage lender's process of assessing the risk of lending money to you.

The underwriter verifies your identification, checks your credit history, and assesses your financial situation — including your income, cash reserves, equity investment, financial assets and other risk factors.

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