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Your Mortgage Application: Underwriting and Loan Approval. – Your Mortgage Application: Underwriting and Loan Approval. These conditions can range from bank statements to tax returns to explanations. and made accurate adjustments to arrive at the value given to your home.
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If you qualify, your pre-approval will be based on an underwriting review of the preliminary information you provide to us and does not constitute a mortgage commitment, approval or guarantee by Huntington to extend you credit, nor does it lock in a rate. Additional documentation will be required for a final loan decision.
Step 5: Mortgage Underwriting. Underwriting is where the "rubber meets the road," when it comes to loan approval. It is the underwriter’s job to closely examine all of the loan documentation prepared by the loan processor, to make sure it complies with lending requirements and guidelines.
Loan approval is subject to credit approval and program guidelines. Interest Rate and program terms are subject to change without notice. Not all loan programs are available in all states for all loan amounts. mortgage products are offered through U.S. Bank National Association.
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