WIll mortgage underwriter give final approval?
I was pre-approved for FHA home loan. Found house, accepted offer, had professional home inspection done, and national city loan officer stated that I was approved for the loan. She stated that the appraisal and title work was ordered, and she was waiting on final ok from underwriter. What things can keep me from getting final approval.
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A lot of different factors come into play when getting an approval. Credit rating and history, income verification, assets/retirement, debt to income rations, loan amount and payment, etc. You should always have an approval, not a pre-approval before looking into a home buy. That way you know that you’re loan is going to fund and not going to fall out or get declined. Hold tight, underwriters can take up to 72 hours in some cases.
If you’re already approved, question to see the approval. That way you know everything’s excellent.